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$67,067
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$69,153
−HK$2,120/mo
Today · 4.125%
HK$71,273
baseline
▲ 0.50% · 4.625%
HK$75,610
+HK$4,337/mo
Deposit HK$14.71M · loan HK$14.71M · min. income ≈ HK$142,546/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,250,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,612
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$76,613
−HK$2,030/mo
Today · 4.125%
HK$78,643
baseline
▲ 0.50% · 4.625%
HK$82,788
+HK$4,145/mo
Deposit HK$14.71M · loan HK$14.71M · min. income ≈ HK$157,286/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,250,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,481
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$82,984
−HK$2,544/mo
Today · 4.125%
HK$85,528
baseline
▲ 0.50% · 4.625%
HK$90,732
+HK$5,204/mo
Deposit HK$11.76M · loan HK$17.65M · min. income ≈ HK$171,056/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,250,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,534
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$91,935
−HK$2,436/mo
Today · 4.125%
HK$94,371
baseline
▲ 0.50% · 4.625%
HK$99,346
+HK$4,975/mo
Deposit HK$11.76M · loan HK$17.65M · min. income ≈ HK$188,742/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,250,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,894
−HK$5,888/mo
▼ 0.25% · 3.875%
HK$96,815
−HK$2,967/mo
Today · 4.125%
HK$99,782
baseline
▲ 0.50% · 4.625%
HK$105,854
+HK$6,072/mo
Deposit HK$8.82M · loan HK$20.59M · min. income ≈ HK$199,564/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$1,250,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,456
−HK$5,644/mo
▼ 0.25% · 3.875%
HK$107,258
−HK$2,842/mo
Today · 4.125%
HK$110,100
baseline
▲ 0.50% · 4.625%
HK$115,903
+HK$5,803/mo
Deposit HK$8.82M · loan HK$20.59M · min. income ≈ HK$220,200/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$1,250,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,721
−HK$7,570/mo
▼ 0.25% · 3.875%
HK$124,476
−HK$3,815/mo
Today · 4.125%
HK$128,291
baseline
▲ 0.50% · 4.625%
HK$136,097
+HK$7,806/mo
Deposit HK$2.94M · loan HK$26.47M · min. income ≈ HK$256,582/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,301
−HK$7,256/mo
▼ 0.25% · 3.875%
HK$137,903
−HK$3,654/mo
Today · 4.125%
HK$141,557
baseline
▲ 0.50% · 4.625%
HK$149,018
+HK$7,461/mo
Deposit HK$2.94M · loan HK$26.47M · min. income ≈ HK$283,114/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,016 · Scale 2, in force from 26 Feb 2026)