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$67,351
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$69,446
−HK$2,128/mo
Today · 4.125%
HK$71,574
baseline
▲ 0.50% · 4.625%
HK$75,929
+HK$4,355/mo
Deposit HK$14.77M · loan HK$14.77M · min. income ≈ HK$143,148/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,255,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,927
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$76,936
−HK$2,039/mo
Today · 4.125%
HK$78,975
baseline
▲ 0.50% · 4.625%
HK$83,138
+HK$4,163/mo
Deposit HK$14.77M · loan HK$14.77M · min. income ≈ HK$157,950/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,255,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,821
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$83,335
−HK$2,554/mo
Today · 4.125%
HK$85,889
baseline
▲ 0.50% · 4.625%
HK$91,115
+HK$5,226/mo
Deposit HK$11.81M · loan HK$17.72M · min. income ≈ HK$171,778/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,255,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,912
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$92,324
−HK$2,446/mo
Today · 4.125%
HK$94,770
baseline
▲ 0.50% · 4.625%
HK$99,766
+HK$4,996/mo
Deposit HK$11.81M · loan HK$17.72M · min. income ≈ HK$189,540/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,255,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,291
−HK$5,913/mo
▼ 0.25% · 3.875%
HK$97,224
−HK$2,980/mo
Today · 4.125%
HK$100,204
baseline
▲ 0.50% · 4.625%
HK$106,301
+HK$6,097/mo
Deposit HK$8.86M · loan HK$20.68M · min. income ≈ HK$200,408/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$1,255,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,898
−HK$5,667/mo
▼ 0.25% · 3.875%
HK$107,711
−HK$2,854/mo
Today · 4.125%
HK$110,565
baseline
▲ 0.50% · 4.625%
HK$116,393
+HK$5,828/mo
Deposit HK$8.86M · loan HK$20.68M · min. income ≈ HK$221,130/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$1,255,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,231
−HK$7,603/mo
▼ 0.25% · 3.875%
HK$125,002
−HK$3,832/mo
Today · 4.125%
HK$128,834
baseline
▲ 0.50% · 4.625%
HK$136,673
+HK$7,839/mo
Deposit HK$2.95M · loan HK$26.58M · min. income ≈ HK$257,668/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,255,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,869
−HK$7,286/mo
▼ 0.25% · 3.875%
HK$138,486
−HK$3,669/mo
Today · 4.125%
HK$142,155
baseline
▲ 0.50% · 4.625%
HK$149,648
+HK$7,493/mo
Deposit HK$2.95M · loan HK$26.58M · min. income ≈ HK$284,310/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,255,300 · Scale 2, in force from 26 Feb 2026)