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$67,393
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$69,490
−HK$2,130/mo
Today · 4.125%
HK$71,620
baseline
▲ 0.50% · 4.625%
HK$75,977
+HK$4,357/mo
Deposit HK$14.78M · loan HK$14.78M · min. income ≈ HK$143,240/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,256,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,974
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$76,985
−HK$2,040/mo
Today · 4.125%
HK$79,025
baseline
▲ 0.50% · 4.625%
HK$83,191
+HK$4,166/mo
Deposit HK$14.78M · loan HK$14.78M · min. income ≈ HK$158,050/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,256,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,872
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$83,388
−HK$2,555/mo
Today · 4.125%
HK$85,943
baseline
▲ 0.50% · 4.625%
HK$91,173
+HK$5,230/mo
Deposit HK$11.82M · loan HK$17.73M · min. income ≈ HK$171,886/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,256,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,969
−HK$4,861/mo
▼ 0.25% · 3.875%
HK$92,382
−HK$2,448/mo
Today · 4.125%
HK$94,830
baseline
▲ 0.50% · 4.625%
HK$99,829
+HK$4,999/mo
Deposit HK$11.82M · loan HK$17.73M · min. income ≈ HK$189,660/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,256,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,351
−HK$5,916/mo
▼ 0.25% · 3.875%
HK$97,286
−HK$2,981/mo
Today · 4.125%
HK$100,267
baseline
▲ 0.50% · 4.625%
HK$106,368
+HK$6,101/mo
Deposit HK$8.87M · loan HK$20.69M · min. income ≈ HK$200,534/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$1,256,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,964
−HK$5,671/mo
▼ 0.25% · 3.875%
HK$107,779
−HK$2,856/mo
Today · 4.125%
HK$110,635
baseline
▲ 0.50% · 4.625%
HK$116,467
+HK$5,832/mo
Deposit HK$8.87M · loan HK$20.69M · min. income ≈ HK$221,270/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$1,256,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,308
−HK$7,607/mo
▼ 0.25% · 3.875%
HK$125,081
−HK$3,834/mo
Today · 4.125%
HK$128,915
baseline
▲ 0.50% · 4.625%
HK$136,759
+HK$7,844/mo
Deposit HK$2.96M · loan HK$26.60M · min. income ≈ HK$257,830/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,256,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,954
−HK$7,291/mo
▼ 0.25% · 3.875%
HK$138,573
−HK$3,672/mo
Today · 4.125%
HK$142,245
baseline
▲ 0.50% · 4.625%
HK$149,743
+HK$7,498/mo
Deposit HK$2.96M · loan HK$26.60M · min. income ≈ HK$284,490/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,256,096 · Scale 2, in force from 26 Feb 2026)