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$67,122
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$69,210
−HK$2,122/mo
Today · 4.125%
HK$71,332
baseline
▲ 0.50% · 4.625%
HK$75,672
+HK$4,340/mo
Deposit HK$14.72M · loan HK$14.72M · min. income ≈ HK$142,664/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,251,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,673
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$76,676
−HK$2,031/mo
Today · 4.125%
HK$78,707
baseline
▲ 0.50% · 4.625%
HK$82,856
+HK$4,149/mo
Deposit HK$14.72M · loan HK$14.72M · min. income ≈ HK$157,414/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,251,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,547
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$83,052
−HK$2,546/mo
Today · 4.125%
HK$85,598
baseline
▲ 0.50% · 4.625%
HK$90,806
+HK$5,208/mo
Deposit HK$11.77M · loan HK$17.66M · min. income ≈ HK$171,196/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,251,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,608
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$92,011
−HK$2,438/mo
Today · 4.125%
HK$94,449
baseline
▲ 0.50% · 4.625%
HK$99,427
+HK$4,978/mo
Deposit HK$11.77M · loan HK$17.66M · min. income ≈ HK$188,898/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,251,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,971
−HK$5,893/mo
▼ 0.25% · 3.875%
HK$96,894
−HK$2,970/mo
Today · 4.125%
HK$99,864
baseline
▲ 0.50% · 4.625%
HK$105,941
+HK$6,077/mo
Deposit HK$8.83M · loan HK$20.61M · min. income ≈ HK$199,728/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,251,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,542
−HK$5,648/mo
▼ 0.25% · 3.875%
HK$107,346
−HK$2,844/mo
Today · 4.125%
HK$110,190
baseline
▲ 0.50% · 4.625%
HK$115,999
+HK$5,809/mo
Deposit HK$8.83M · loan HK$20.61M · min. income ≈ HK$220,380/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,251,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,820
−HK$7,577/mo
▼ 0.25% · 3.875%
HK$124,579
−HK$3,818/mo
Today · 4.125%
HK$128,397
baseline
▲ 0.50% · 4.625%
HK$136,209
+HK$7,812/mo
Deposit HK$2.94M · loan HK$26.49M · min. income ≈ HK$256,794/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,251,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,411
−HK$7,262/mo
▼ 0.25% · 3.875%
HK$138,016
−HK$3,657/mo
Today · 4.125%
HK$141,673
baseline
▲ 0.50% · 4.625%
HK$149,141
+HK$7,468/mo
Deposit HK$2.94M · loan HK$26.49M · min. income ≈ HK$283,346/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,251,045 · Scale 2, in force from 26 Feb 2026)