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$67,111
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$69,198
−HK$2,121/mo
Today · 4.125%
HK$71,319
baseline
▲ 0.50% · 4.625%
HK$75,659
+HK$4,340/mo
Deposit HK$14.72M · loan HK$14.72M · min. income ≈ HK$142,638/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,250,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,660
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$76,662
−HK$2,032/mo
Today · 4.125%
HK$78,694
baseline
▲ 0.50% · 4.625%
HK$82,842
+HK$4,148/mo
Deposit HK$14.72M · loan HK$14.72M · min. income ≈ HK$157,388/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,250,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,533
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$83,038
−HK$2,545/mo
Today · 4.125%
HK$85,583
baseline
▲ 0.50% · 4.625%
HK$90,791
+HK$5,208/mo
Deposit HK$11.77M · loan HK$17.66M · min. income ≈ HK$171,166/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,250,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,592
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$91,995
−HK$2,437/mo
Today · 4.125%
HK$94,432
baseline
▲ 0.50% · 4.625%
HK$99,410
+HK$4,978/mo
Deposit HK$11.77M · loan HK$17.66M · min. income ≈ HK$188,864/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,250,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,955
−HK$5,892/mo
▼ 0.25% · 3.875%
HK$96,878
−HK$2,969/mo
Today · 4.125%
HK$99,847
baseline
▲ 0.50% · 4.625%
HK$105,922
+HK$6,075/mo
Deposit HK$8.83M · loan HK$20.60M · min. income ≈ HK$199,694/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,250,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,524
−HK$5,647/mo
▼ 0.25% · 3.875%
HK$107,327
−HK$2,844/mo
Today · 4.125%
HK$110,171
baseline
▲ 0.50% · 4.625%
HK$115,978
+HK$5,807/mo
Deposit HK$8.83M · loan HK$20.60M · min. income ≈ HK$220,342/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,250,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,799
−HK$7,576/mo
▼ 0.25% · 3.875%
HK$124,557
−HK$3,818/mo
Today · 4.125%
HK$128,375
baseline
▲ 0.50% · 4.625%
HK$136,186
+HK$7,811/mo
Deposit HK$2.94M · loan HK$26.49M · min. income ≈ HK$256,750/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,388
−HK$7,261/mo
▼ 0.25% · 3.875%
HK$137,992
−HK$3,657/mo
Today · 4.125%
HK$141,649
baseline
▲ 0.50% · 4.625%
HK$149,115
+HK$7,466/mo
Deposit HK$2.94M · loan HK$26.49M · min. income ≈ HK$283,298/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,828 · Scale 2, in force from 26 Feb 2026)