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$67,052
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$69,137
−HK$2,119/mo
Today · 4.125%
HK$71,256
baseline
▲ 0.50% · 4.625%
HK$75,592
+HK$4,336/mo
Deposit HK$14.70M · loan HK$14.70M · min. income ≈ HK$142,512/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,249,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,594
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$76,595
−HK$2,029/mo
Today · 4.125%
HK$78,624
baseline
▲ 0.50% · 4.625%
HK$82,769
+HK$4,145/mo
Deposit HK$14.70M · loan HK$14.70M · min. income ≈ HK$157,248/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,249,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,462
−HK$5,046/mo
▼ 0.25% · 3.875%
HK$82,965
−HK$2,543/mo
Today · 4.125%
HK$85,508
baseline
▲ 0.50% · 4.625%
HK$90,710
+HK$5,202/mo
Deposit HK$11.76M · loan HK$17.64M · min. income ≈ HK$171,016/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,249,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,513
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$91,914
−HK$2,435/mo
Today · 4.125%
HK$94,349
baseline
▲ 0.50% · 4.625%
HK$99,322
+HK$4,973/mo
Deposit HK$11.76M · loan HK$17.64M · min. income ≈ HK$188,698/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,249,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,872
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$96,792
−HK$2,967/mo
Today · 4.125%
HK$99,759
baseline
▲ 0.50% · 4.625%
HK$105,829
+HK$6,070/mo
Deposit HK$8.82M · loan HK$20.58M · min. income ≈ HK$199,518/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$1,249,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,432
−HK$5,642/mo
▼ 0.25% · 3.875%
HK$107,233
−HK$2,841/mo
Today · 4.125%
HK$110,074
baseline
▲ 0.50% · 4.625%
HK$115,876
+HK$5,802/mo
Deposit HK$8.82M · loan HK$20.58M · min. income ≈ HK$220,148/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$1,249,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,693
−HK$7,568/mo
▼ 0.25% · 3.875%
HK$124,447
−HK$3,814/mo
Today · 4.125%
HK$128,261
baseline
▲ 0.50% · 4.625%
HK$136,066
+HK$7,805/mo
Deposit HK$2.94M · loan HK$26.46M · min. income ≈ HK$256,522/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,249,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,269
−HK$7,255/mo
▼ 0.25% · 3.875%
HK$137,871
−HK$3,653/mo
Today · 4.125%
HK$141,524
baseline
▲ 0.50% · 4.625%
HK$148,984
+HK$7,460/mo
Deposit HK$2.94M · loan HK$26.46M · min. income ≈ HK$283,048/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,249,724 · Scale 2, in force from 26 Feb 2026)