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$67,361
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$69,456
−HK$2,129/mo
Today · 4.125%
HK$71,585
baseline
▲ 0.50% · 4.625%
HK$75,941
+HK$4,356/mo
Deposit HK$14.77M · loan HK$14.77M · min. income ≈ HK$143,170/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,255,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,938
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$76,948
−HK$2,039/mo
Today · 4.125%
HK$78,987
baseline
▲ 0.50% · 4.625%
HK$83,150
+HK$4,163/mo
Deposit HK$14.77M · loan HK$14.77M · min. income ≈ HK$157,974/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,255,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,833
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$83,347
−HK$2,555/mo
Today · 4.125%
HK$85,902
baseline
▲ 0.50% · 4.625%
HK$91,129
+HK$5,227/mo
Deposit HK$11.82M · loan HK$17.72M · min. income ≈ HK$171,804/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,255,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,926
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$92,338
−HK$2,446/mo
Today · 4.125%
HK$94,784
baseline
▲ 0.50% · 4.625%
HK$99,780
+HK$4,996/mo
Deposit HK$11.82M · loan HK$17.72M · min. income ≈ HK$189,568/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,255,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,305
−HK$5,914/mo
▼ 0.25% · 3.875%
HK$97,238
−HK$2,981/mo
Today · 4.125%
HK$100,219
baseline
▲ 0.50% · 4.625%
HK$106,317
+HK$6,098/mo
Deposit HK$8.86M · loan HK$20.68M · min. income ≈ HK$200,438/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$1,255,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,913
−HK$5,669/mo
▼ 0.25% · 3.875%
HK$107,727
−HK$2,855/mo
Today · 4.125%
HK$110,582
baseline
▲ 0.50% · 4.625%
HK$116,410
+HK$5,828/mo
Deposit HK$8.86M · loan HK$20.68M · min. income ≈ HK$221,164/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$1,255,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,249
−HK$7,604/mo
▼ 0.25% · 3.875%
HK$125,021
−HK$3,832/mo
Today · 4.125%
HK$128,853
baseline
▲ 0.50% · 4.625%
HK$136,693
+HK$7,840/mo
Deposit HK$2.95M · loan HK$26.59M · min. income ≈ HK$257,706/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,255,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,889
−HK$7,287/mo
▼ 0.25% · 3.875%
HK$138,506
−HK$3,670/mo
Today · 4.125%
HK$142,176
baseline
▲ 0.50% · 4.625%
HK$149,671
+HK$7,495/mo
Deposit HK$2.95M · loan HK$26.59M · min. income ≈ HK$284,352/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,255,487 · Scale 2, in force from 26 Feb 2026)