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$66,810
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$68,888
−HK$2,112/mo
Today · 4.125%
HK$71,000
baseline
▲ 0.50% · 4.625%
HK$75,320
+HK$4,320/mo
Deposit HK$14.65M · loan HK$14.65M · min. income ≈ HK$142,000/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,245,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,326
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$76,319
−HK$2,022/mo
Today · 4.125%
HK$78,341
baseline
▲ 0.50% · 4.625%
HK$82,471
+HK$4,130/mo
Deposit HK$14.65M · loan HK$14.65M · min. income ≈ HK$156,682/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,245,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,172
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$82,666
−HK$2,534/mo
Today · 4.125%
HK$85,200
baseline
▲ 0.50% · 4.625%
HK$90,384
+HK$5,184/mo
Deposit HK$11.72M · loan HK$17.58M · min. income ≈ HK$170,400/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,245,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,191
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$91,583
−HK$2,426/mo
Today · 4.125%
HK$94,009
baseline
▲ 0.50% · 4.625%
HK$98,965
+HK$4,956/mo
Deposit HK$11.72M · loan HK$17.58M · min. income ≈ HK$188,018/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,245,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,534
−HK$5,866/mo
▼ 0.25% · 3.875%
HK$96,444
−HK$2,956/mo
Today · 4.125%
HK$99,400
baseline
▲ 0.50% · 4.625%
HK$105,448
+HK$6,048/mo
Deposit HK$8.79M · loan HK$20.51M · min. income ≈ HK$198,800/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,245,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,056
−HK$5,622/mo
▼ 0.25% · 3.875%
HK$106,846
−HK$2,832/mo
Today · 4.125%
HK$109,678
baseline
▲ 0.50% · 4.625%
HK$115,459
+HK$5,781/mo
Deposit HK$8.79M · loan HK$20.51M · min. income ≈ HK$219,356/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,245,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,258
−HK$7,541/mo
▼ 0.25% · 3.875%
HK$123,999
−HK$3,800/mo
Today · 4.125%
HK$127,799
baseline
▲ 0.50% · 4.625%
HK$135,576
+HK$7,777/mo
Deposit HK$2.93M · loan HK$26.37M · min. income ≈ HK$255,598/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,245,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,786
−HK$7,228/mo
▼ 0.25% · 3.875%
HK$137,374
−HK$3,640/mo
Today · 4.125%
HK$141,014
baseline
▲ 0.50% · 4.625%
HK$148,447
+HK$7,433/mo
Deposit HK$2.93M · loan HK$26.37M · min. income ≈ HK$282,028/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,245,223 · Scale 2, in force from 26 Feb 2026)