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$67,063
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$69,149
−HK$2,119/mo
Today · 4.125%
HK$71,268
baseline
▲ 0.50% · 4.625%
HK$75,604
+HK$4,336/mo
Deposit HK$14.71M · loan HK$14.71M · min. income ≈ HK$142,536/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,249,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,606
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$76,607
−HK$2,030/mo
Today · 4.125%
HK$78,637
baseline
▲ 0.50% · 4.625%
HK$82,782
+HK$4,145/mo
Deposit HK$14.71M · loan HK$14.71M · min. income ≈ HK$157,274/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,249,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,475
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$82,978
−HK$2,544/mo
Today · 4.125%
HK$85,522
baseline
▲ 0.50% · 4.625%
HK$90,725
+HK$5,203/mo
Deposit HK$11.76M · loan HK$17.65M · min. income ≈ HK$171,044/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,249,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,528
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$91,929
−HK$2,436/mo
Today · 4.125%
HK$94,365
baseline
▲ 0.50% · 4.625%
HK$99,339
+HK$4,974/mo
Deposit HK$11.76M · loan HK$17.65M · min. income ≈ HK$188,730/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,249,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,888
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$96,808
−HK$2,967/mo
Today · 4.125%
HK$99,775
baseline
▲ 0.50% · 4.625%
HK$105,846
+HK$6,071/mo
Deposit HK$8.82M · loan HK$20.59M · min. income ≈ HK$199,550/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$1,249,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,449
−HK$5,643/mo
▼ 0.25% · 3.875%
HK$107,250
−HK$2,842/mo
Today · 4.125%
HK$110,092
baseline
▲ 0.50% · 4.625%
HK$115,895
+HK$5,803/mo
Deposit HK$8.82M · loan HK$20.59M · min. income ≈ HK$220,184/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$1,249,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,713
−HK$7,569/mo
▼ 0.25% · 3.875%
HK$124,467
−HK$3,815/mo
Today · 4.125%
HK$128,282
baseline
▲ 0.50% · 4.625%
HK$136,088
+HK$7,806/mo
Deposit HK$2.94M · loan HK$26.47M · min. income ≈ HK$256,564/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,249,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,292
−HK$7,255/mo
▼ 0.25% · 3.875%
HK$137,893
−HK$3,654/mo
Today · 4.125%
HK$141,547
baseline
▲ 0.50% · 4.625%
HK$149,008
+HK$7,461/mo
Deposit HK$2.94M · loan HK$26.47M · min. income ≈ HK$283,094/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,249,929 · Scale 2, in force from 26 Feb 2026)