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$67,191
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$69,281
−HK$2,124/mo
Today · 4.125%
HK$71,405
baseline
▲ 0.50% · 4.625%
HK$75,749
+HK$4,344/mo
Deposit HK$14.73M · loan HK$14.73M · min. income ≈ HK$142,810/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,750
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$76,754
−HK$2,034/mo
Today · 4.125%
HK$78,788
baseline
▲ 0.50% · 4.625%
HK$82,941
+HK$4,153/mo
Deposit HK$14.73M · loan HK$14.73M · min. income ≈ HK$157,576/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,629
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$83,137
−HK$2,549/mo
Today · 4.125%
HK$85,686
baseline
▲ 0.50% · 4.625%
HK$90,899
+HK$5,213/mo
Deposit HK$11.79M · loan HK$17.68M · min. income ≈ HK$171,372/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,699
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$92,105
−HK$2,441/mo
Today · 4.125%
HK$94,546
baseline
▲ 0.50% · 4.625%
HK$99,529
+HK$4,983/mo
Deposit HK$11.79M · loan HK$17.68M · min. income ≈ HK$189,092/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,068
−HK$5,899/mo
▼ 0.25% · 3.875%
HK$96,994
−HK$2,973/mo
Today · 4.125%
HK$99,967
baseline
▲ 0.50% · 4.625%
HK$106,049
+HK$6,082/mo
Deposit HK$8.84M · loan HK$20.63M · min. income ≈ HK$199,934/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,252,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,649
−HK$5,654/mo
▼ 0.25% · 3.875%
HK$107,456
−HK$2,847/mo
Today · 4.125%
HK$110,303
baseline
▲ 0.50% · 4.625%
HK$116,117
+HK$5,814/mo
Deposit HK$8.84M · loan HK$20.63M · min. income ≈ HK$220,606/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,252,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,944
−HK$7,584/mo
▼ 0.25% · 3.875%
HK$124,706
−HK$3,822/mo
Today · 4.125%
HK$128,528
baseline
▲ 0.50% · 4.625%
HK$136,349
+HK$7,821/mo
Deposit HK$2.95M · loan HK$26.52M · min. income ≈ HK$257,056/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,549
−HK$7,269/mo
▼ 0.25% · 3.875%
HK$138,158
−HK$3,660/mo
Today · 4.125%
HK$141,818
baseline
▲ 0.50% · 4.625%
HK$149,294
+HK$7,476/mo
Deposit HK$2.95M · loan HK$26.52M · min. income ≈ HK$283,636/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,327 · Scale 2, in force from 26 Feb 2026)