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$67,016
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$69,101
−HK$2,118/mo
Today · 4.125%
HK$71,219
baseline
▲ 0.50% · 4.625%
HK$75,552
+HK$4,333/mo
Deposit HK$14.69M · loan HK$14.69M · min. income ≈ HK$142,438/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,249,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,555
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$76,555
−HK$2,028/mo
Today · 4.125%
HK$78,583
baseline
▲ 0.50% · 4.625%
HK$82,725
+HK$4,142/mo
Deposit HK$14.69M · loan HK$14.69M · min. income ≈ HK$157,166/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,249,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,420
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$82,921
−HK$2,542/mo
Today · 4.125%
HK$85,463
baseline
▲ 0.50% · 4.625%
HK$90,663
+HK$5,200/mo
Deposit HK$11.76M · loan HK$17.63M · min. income ≈ HK$170,926/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,249,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,466
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$91,866
−HK$2,434/mo
Today · 4.125%
HK$94,300
baseline
▲ 0.50% · 4.625%
HK$99,270
+HK$4,970/mo
Deposit HK$11.76M · loan HK$17.63M · min. income ≈ HK$188,600/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,249,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,823
−HK$5,884/mo
▼ 0.25% · 3.875%
HK$96,741
−HK$2,966/mo
Today · 4.125%
HK$99,707
baseline
▲ 0.50% · 4.625%
HK$105,773
+HK$6,066/mo
Deposit HK$8.82M · loan HK$20.57M · min. income ≈ HK$199,414/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$1,249,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,377
−HK$5,639/mo
▼ 0.25% · 3.875%
HK$107,176
−HK$2,840/mo
Today · 4.125%
HK$110,016
baseline
▲ 0.50% · 4.625%
HK$115,815
+HK$5,799/mo
Deposit HK$8.82M · loan HK$20.57M · min. income ≈ HK$220,032/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$1,249,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,630
−HK$7,564/mo
▼ 0.25% · 3.875%
HK$124,382
−HK$3,812/mo
Today · 4.125%
HK$128,194
baseline
▲ 0.50% · 4.625%
HK$135,994
+HK$7,800/mo
Deposit HK$2.94M · loan HK$26.45M · min. income ≈ HK$256,388/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,249,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,199
−HK$7,251/mo
▼ 0.25% · 3.875%
HK$137,798
−HK$3,652/mo
Today · 4.125%
HK$141,450
baseline
▲ 0.50% · 4.625%
HK$148,906
+HK$7,456/mo
Deposit HK$2.94M · loan HK$26.45M · min. income ≈ HK$282,900/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,249,069 · Scale 2, in force from 26 Feb 2026)