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$67,209
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$69,299
−HK$2,124/mo
Today · 4.125%
HK$71,423
baseline
▲ 0.50% · 4.625%
HK$75,769
+HK$4,346/mo
Deposit HK$14.74M · loan HK$14.74M · min. income ≈ HK$142,846/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,769
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,774
−HK$2,035/mo
Today · 4.125%
HK$78,809
baseline
▲ 0.50% · 4.625%
HK$82,963
+HK$4,154/mo
Deposit HK$14.74M · loan HK$14.74M · min. income ≈ HK$157,618/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,651
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$83,159
−HK$2,549/mo
Today · 4.125%
HK$85,708
baseline
▲ 0.50% · 4.625%
HK$90,923
+HK$5,215/mo
Deposit HK$11.79M · loan HK$17.68M · min. income ≈ HK$171,416/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,723
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$92,129
−HK$2,442/mo
Today · 4.125%
HK$94,571
baseline
▲ 0.50% · 4.625%
HK$99,555
+HK$4,984/mo
Deposit HK$11.79M · loan HK$17.68M · min. income ≈ HK$189,142/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,092
−HK$5,901/mo
▼ 0.25% · 3.875%
HK$97,019
−HK$2,974/mo
Today · 4.125%
HK$99,993
baseline
▲ 0.50% · 4.625%
HK$106,077
+HK$6,084/mo
Deposit HK$8.84M · loan HK$20.63M · min. income ≈ HK$199,986/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,252,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,677
−HK$5,655/mo
▼ 0.25% · 3.875%
HK$107,484
−HK$2,848/mo
Today · 4.125%
HK$110,332
baseline
▲ 0.50% · 4.625%
HK$116,148
+HK$5,816/mo
Deposit HK$8.84M · loan HK$20.63M · min. income ≈ HK$220,664/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,252,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,976
−HK$7,586/mo
▼ 0.25% · 3.875%
HK$124,739
−HK$3,823/mo
Today · 4.125%
HK$128,562
baseline
▲ 0.50% · 4.625%
HK$136,385
+HK$7,823/mo
Deposit HK$2.95M · loan HK$26.53M · min. income ≈ HK$257,124/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,585
−HK$7,271/mo
▼ 0.25% · 3.875%
HK$138,194
−HK$3,662/mo
Today · 4.125%
HK$141,856
baseline
▲ 0.50% · 4.625%
HK$149,333
+HK$7,477/mo
Deposit HK$2.95M · loan HK$26.53M · min. income ≈ HK$283,712/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,657 · Scale 2, in force from 26 Feb 2026)