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$67,058
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$69,144
−HK$2,119/mo
Today · 4.125%
HK$71,263
baseline
▲ 0.50% · 4.625%
HK$75,599
+HK$4,336/mo
Deposit HK$14.70M · loan HK$14.70M · min. income ≈ HK$142,526/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,249,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,602
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$76,602
−HK$2,030/mo
Today · 4.125%
HK$78,632
baseline
▲ 0.50% · 4.625%
HK$82,777
+HK$4,145/mo
Deposit HK$14.70M · loan HK$14.70M · min. income ≈ HK$157,264/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,249,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,470
−HK$5,046/mo
▼ 0.25% · 3.875%
HK$82,973
−HK$2,543/mo
Today · 4.125%
HK$85,516
baseline
▲ 0.50% · 4.625%
HK$90,719
+HK$5,203/mo
Deposit HK$11.76M · loan HK$17.64M · min. income ≈ HK$171,032/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,249,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,522
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$91,923
−HK$2,435/mo
Today · 4.125%
HK$94,358
baseline
▲ 0.50% · 4.625%
HK$99,332
+HK$4,974/mo
Deposit HK$11.76M · loan HK$17.64M · min. income ≈ HK$188,716/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,249,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,881
−HK$5,888/mo
▼ 0.25% · 3.875%
HK$96,802
−HK$2,967/mo
Today · 4.125%
HK$99,769
baseline
▲ 0.50% · 4.625%
HK$105,839
+HK$6,070/mo
Deposit HK$8.82M · loan HK$20.59M · min. income ≈ HK$199,538/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$1,249,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,442
−HK$5,643/mo
▼ 0.25% · 3.875%
HK$107,243
−HK$2,842/mo
Today · 4.125%
HK$110,085
baseline
▲ 0.50% · 4.625%
HK$115,888
+HK$5,803/mo
Deposit HK$8.82M · loan HK$20.59M · min. income ≈ HK$220,170/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$1,249,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,705
−HK$7,569/mo
▼ 0.25% · 3.875%
HK$124,459
−HK$3,815/mo
Today · 4.125%
HK$128,274
baseline
▲ 0.50% · 4.625%
HK$136,079
+HK$7,805/mo
Deposit HK$2.94M · loan HK$26.47M · min. income ≈ HK$256,548/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,249,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,283
−HK$7,255/mo
▼ 0.25% · 3.875%
HK$137,884
−HK$3,654/mo
Today · 4.125%
HK$141,538
baseline
▲ 0.50% · 4.625%
HK$148,998
+HK$7,460/mo
Deposit HK$2.94M · loan HK$26.47M · min. income ≈ HK$283,076/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,249,847 · Scale 2, in force from 26 Feb 2026)