The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$67,187
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$69,277
−HK$2,123/mo
Today · 4.125%
HK$71,400
baseline
▲ 0.50% · 4.625%
HK$75,745
+HK$4,345/mo
Deposit HK$14.73M · loan HK$14.73M · min. income ≈ HK$142,800/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,252,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,745
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$76,749
−HK$2,034/mo
Today · 4.125%
HK$78,783
baseline
▲ 0.50% · 4.625%
HK$82,936
+HK$4,153/mo
Deposit HK$14.73M · loan HK$14.73M · min. income ≈ HK$157,566/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,252,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,624
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$83,132
−HK$2,548/mo
Today · 4.125%
HK$85,680
baseline
▲ 0.50% · 4.625%
HK$90,893
+HK$5,213/mo
Deposit HK$11.79M · loan HK$17.68M · min. income ≈ HK$171,360/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,694
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$92,099
−HK$2,440/mo
Today · 4.125%
HK$94,539
baseline
▲ 0.50% · 4.625%
HK$99,523
+HK$4,984/mo
Deposit HK$11.79M · loan HK$17.68M · min. income ≈ HK$189,078/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,062
−HK$5,898/mo
▼ 0.25% · 3.875%
HK$96,987
−HK$2,973/mo
Today · 4.125%
HK$99,960
baseline
▲ 0.50% · 4.625%
HK$106,042
+HK$6,082/mo
Deposit HK$8.84M · loan HK$20.63M · min. income ≈ HK$199,920/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,252,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,643
−HK$5,653/mo
▼ 0.25% · 3.875%
HK$107,449
−HK$2,847/mo
Today · 4.125%
HK$110,296
baseline
▲ 0.50% · 4.625%
HK$116,110
+HK$5,814/mo
Deposit HK$8.84M · loan HK$20.63M · min. income ≈ HK$220,592/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,252,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,936
−HK$7,584/mo
▼ 0.25% · 3.875%
HK$124,698
−HK$3,822/mo
Today · 4.125%
HK$128,520
baseline
▲ 0.50% · 4.625%
HK$136,340
+HK$7,820/mo
Deposit HK$2.95M · loan HK$26.52M · min. income ≈ HK$257,040/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,540
−HK$7,269/mo
▼ 0.25% · 3.875%
HK$138,149
−HK$3,660/mo
Today · 4.125%
HK$141,809
baseline
▲ 0.50% · 4.625%
HK$149,284
+HK$7,475/mo
Deposit HK$2.95M · loan HK$26.52M · min. income ≈ HK$283,618/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,246 · Scale 2, in force from 26 Feb 2026)