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$67,220
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$69,311
−HK$2,124/mo
Today · 4.125%
HK$71,435
baseline
▲ 0.50% · 4.625%
HK$75,782
+HK$4,347/mo
Deposit HK$14.74M · loan HK$14.74M · min. income ≈ HK$142,870/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,781
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,787
−HK$2,034/mo
Today · 4.125%
HK$78,821
baseline
▲ 0.50% · 4.625%
HK$82,976
+HK$4,155/mo
Deposit HK$14.74M · loan HK$14.74M · min. income ≈ HK$157,642/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,664
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$83,173
−HK$2,549/mo
Today · 4.125%
HK$85,722
baseline
▲ 0.50% · 4.625%
HK$90,938
+HK$5,216/mo
Deposit HK$11.79M · loan HK$17.69M · min. income ≈ HK$171,444/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,737
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$92,144
−HK$2,442/mo
Today · 4.125%
HK$94,586
baseline
▲ 0.50% · 4.625%
HK$99,571
+HK$4,985/mo
Deposit HK$11.79M · loan HK$17.69M · min. income ≈ HK$189,172/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,108
−HK$5,901/mo
▼ 0.25% · 3.875%
HK$97,035
−HK$2,974/mo
Today · 4.125%
HK$100,009
baseline
▲ 0.50% · 4.625%
HK$106,094
+HK$6,085/mo
Deposit HK$8.84M · loan HK$20.64M · min. income ≈ HK$200,018/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,252,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,694
−HK$5,656/mo
▼ 0.25% · 3.875%
HK$107,501
−HK$2,849/mo
Today · 4.125%
HK$110,350
baseline
▲ 0.50% · 4.625%
HK$116,167
+HK$5,817/mo
Deposit HK$8.84M · loan HK$20.64M · min. income ≈ HK$220,700/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,252,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,995
−HK$7,588/mo
▼ 0.25% · 3.875%
HK$124,759
−HK$3,824/mo
Today · 4.125%
HK$128,583
baseline
▲ 0.50% · 4.625%
HK$136,407
+HK$7,824/mo
Deposit HK$2.95M · loan HK$26.53M · min. income ≈ HK$257,166/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,606
−HK$7,272/mo
▼ 0.25% · 3.875%
HK$138,216
−HK$3,662/mo
Today · 4.125%
HK$141,878
baseline
▲ 0.50% · 4.625%
HK$149,357
+HK$7,479/mo
Deposit HK$2.95M · loan HK$26.53M · min. income ≈ HK$283,756/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,857 · Scale 2, in force from 26 Feb 2026)