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$67,217
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$69,307
−HK$2,125/mo
Today · 4.125%
HK$71,432
baseline
▲ 0.50% · 4.625%
HK$75,778
+HK$4,346/mo
Deposit HK$14.74M · loan HK$14.74M · min. income ≈ HK$142,864/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,778
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,783
−HK$2,035/mo
Today · 4.125%
HK$78,818
baseline
▲ 0.50% · 4.625%
HK$82,972
+HK$4,154/mo
Deposit HK$14.74M · loan HK$14.74M · min. income ≈ HK$157,636/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,660
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$83,169
−HK$2,549/mo
Today · 4.125%
HK$85,718
baseline
▲ 0.50% · 4.625%
HK$90,934
+HK$5,216/mo
Deposit HK$11.79M · loan HK$17.69M · min. income ≈ HK$171,436/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,733
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$92,140
−HK$2,441/mo
Today · 4.125%
HK$94,581
baseline
▲ 0.50% · 4.625%
HK$99,567
+HK$4,986/mo
Deposit HK$11.79M · loan HK$17.69M · min. income ≈ HK$189,162/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,103
−HK$5,901/mo
▼ 0.25% · 3.875%
HK$97,030
−HK$2,974/mo
Today · 4.125%
HK$100,004
baseline
▲ 0.50% · 4.625%
HK$106,089
+HK$6,085/mo
Deposit HK$8.84M · loan HK$20.63M · min. income ≈ HK$200,008/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,252,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,689
−HK$5,656/mo
▼ 0.25% · 3.875%
HK$107,497
−HK$2,848/mo
Today · 4.125%
HK$110,345
baseline
▲ 0.50% · 4.625%
HK$116,161
+HK$5,816/mo
Deposit HK$8.84M · loan HK$20.63M · min. income ≈ HK$220,690/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,252,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,990
−HK$7,587/mo
▼ 0.25% · 3.875%
HK$124,753
−HK$3,824/mo
Today · 4.125%
HK$128,577
baseline
▲ 0.50% · 4.625%
HK$136,401
+HK$7,824/mo
Deposit HK$2.95M · loan HK$26.53M · min. income ≈ HK$257,154/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,600
−HK$7,272/mo
▼ 0.25% · 3.875%
HK$138,210
−HK$3,662/mo
Today · 4.125%
HK$141,872
baseline
▲ 0.50% · 4.625%
HK$149,350
+HK$7,478/mo
Deposit HK$2.95M · loan HK$26.53M · min. income ≈ HK$283,744/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,802 · Scale 2, in force from 26 Feb 2026)