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$67,214
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$69,305
−HK$2,124/mo
Today · 4.125%
HK$71,429
baseline
▲ 0.50% · 4.625%
HK$75,775
+HK$4,346/mo
Deposit HK$14.74M · loan HK$14.74M · min. income ≈ HK$142,858/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,775
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,780
−HK$2,035/mo
Today · 4.125%
HK$78,815
baseline
▲ 0.50% · 4.625%
HK$82,969
+HK$4,154/mo
Deposit HK$14.74M · loan HK$14.74M · min. income ≈ HK$157,630/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,657
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$83,166
−HK$2,549/mo
Today · 4.125%
HK$85,715
baseline
▲ 0.50% · 4.625%
HK$90,930
+HK$5,215/mo
Deposit HK$11.79M · loan HK$17.69M · min. income ≈ HK$171,430/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,730
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$92,136
−HK$2,442/mo
Today · 4.125%
HK$94,578
baseline
▲ 0.50% · 4.625%
HK$99,563
+HK$4,985/mo
Deposit HK$11.79M · loan HK$17.69M · min. income ≈ HK$189,156/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,100
−HK$5,900/mo
▼ 0.25% · 3.875%
HK$97,027
−HK$2,973/mo
Today · 4.125%
HK$100,000
baseline
▲ 0.50% · 4.625%
HK$106,085
+HK$6,085/mo
Deposit HK$8.84M · loan HK$20.63M · min. income ≈ HK$200,000/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,252,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,685
−HK$5,656/mo
▼ 0.25% · 3.875%
HK$107,492
−HK$2,849/mo
Today · 4.125%
HK$110,341
baseline
▲ 0.50% · 4.625%
HK$116,157
+HK$5,816/mo
Deposit HK$8.84M · loan HK$20.63M · min. income ≈ HK$220,682/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,252,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,985
−HK$7,587/mo
▼ 0.25% · 3.875%
HK$124,748
−HK$3,824/mo
Today · 4.125%
HK$128,572
baseline
▲ 0.50% · 4.625%
HK$136,395
+HK$7,823/mo
Deposit HK$2.95M · loan HK$26.53M · min. income ≈ HK$257,144/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,595
−HK$7,271/mo
▼ 0.25% · 3.875%
HK$138,204
−HK$3,662/mo
Today · 4.125%
HK$141,866
baseline
▲ 0.50% · 4.625%
HK$149,344
+HK$7,478/mo
Deposit HK$2.95M · loan HK$26.53M · min. income ≈ HK$283,732/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,751 · Scale 2, in force from 26 Feb 2026)