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$67,194
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$69,284
−HK$2,124/mo
Today · 4.125%
HK$71,408
baseline
▲ 0.50% · 4.625%
HK$75,753
+HK$4,345/mo
Deposit HK$14.73M · loan HK$14.73M · min. income ≈ HK$142,816/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,753
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$76,758
−HK$2,034/mo
Today · 4.125%
HK$78,792
baseline
▲ 0.50% · 4.625%
HK$82,945
+HK$4,153/mo
Deposit HK$14.73M · loan HK$14.73M · min. income ≈ HK$157,584/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,633
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$83,141
−HK$2,549/mo
Today · 4.125%
HK$85,690
baseline
▲ 0.50% · 4.625%
HK$90,904
+HK$5,214/mo
Deposit HK$11.79M · loan HK$17.68M · min. income ≈ HK$171,380/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,704
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$92,109
−HK$2,441/mo
Today · 4.125%
HK$94,550
baseline
▲ 0.50% · 4.625%
HK$99,534
+HK$4,984/mo
Deposit HK$11.79M · loan HK$17.68M · min. income ≈ HK$189,100/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,072
−HK$5,899/mo
▼ 0.25% · 3.875%
HK$96,998
−HK$2,973/mo
Today · 4.125%
HK$99,971
baseline
▲ 0.50% · 4.625%
HK$106,054
+HK$6,083/mo
Deposit HK$8.84M · loan HK$20.63M · min. income ≈ HK$199,942/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,252,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,654
−HK$5,654/mo
▼ 0.25% · 3.875%
HK$107,461
−HK$2,847/mo
Today · 4.125%
HK$110,308
baseline
▲ 0.50% · 4.625%
HK$116,123
+HK$5,815/mo
Deposit HK$8.84M · loan HK$20.63M · min. income ≈ HK$220,616/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,252,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,950
−HK$7,584/mo
▼ 0.25% · 3.875%
HK$124,712
−HK$3,822/mo
Today · 4.125%
HK$128,534
baseline
▲ 0.50% · 4.625%
HK$136,355
+HK$7,821/mo
Deposit HK$2.95M · loan HK$26.52M · min. income ≈ HK$257,068/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,555
−HK$7,270/mo
▼ 0.25% · 3.875%
HK$138,164
−HK$3,661/mo
Today · 4.125%
HK$141,825
baseline
▲ 0.50% · 4.625%
HK$149,301
+HK$7,476/mo
Deposit HK$2.95M · loan HK$26.52M · min. income ≈ HK$283,650/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,385 · Scale 2, in force from 26 Feb 2026)