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$67,371
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$69,467
−HK$2,129/mo
Today · 4.125%
HK$71,596
baseline
▲ 0.50% · 4.625%
HK$75,952
+HK$4,356/mo
Deposit HK$14.77M · loan HK$14.77M · min. income ≈ HK$143,192/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,255,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,950
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$76,960
−HK$2,039/mo
Today · 4.125%
HK$78,999
baseline
▲ 0.50% · 4.625%
HK$83,163
+HK$4,164/mo
Deposit HK$14.77M · loan HK$14.77M · min. income ≈ HK$157,998/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,255,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,845
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$83,360
−HK$2,555/mo
Today · 4.125%
HK$85,915
baseline
▲ 0.50% · 4.625%
HK$91,143
+HK$5,228/mo
Deposit HK$11.82M · loan HK$17.73M · min. income ≈ HK$171,830/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,255,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,940
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$92,352
−HK$2,447/mo
Today · 4.125%
HK$94,799
baseline
▲ 0.50% · 4.625%
HK$99,796
+HK$4,997/mo
Deposit HK$11.82M · loan HK$17.73M · min. income ≈ HK$189,598/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,255,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,320
−HK$5,914/mo
▼ 0.25% · 3.875%
HK$97,254
−HK$2,980/mo
Today · 4.125%
HK$100,234
baseline
▲ 0.50% · 4.625%
HK$106,333
+HK$6,099/mo
Deposit HK$8.86M · loan HK$20.68M · min. income ≈ HK$200,468/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$1,255,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,930
−HK$5,669/mo
▼ 0.25% · 3.875%
HK$107,744
−HK$2,855/mo
Today · 4.125%
HK$110,599
baseline
▲ 0.50% · 4.625%
HK$116,429
+HK$5,830/mo
Deposit HK$8.86M · loan HK$20.68M · min. income ≈ HK$221,198/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$1,255,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,268
−HK$7,605/mo
▼ 0.25% · 3.875%
HK$125,040
−HK$3,833/mo
Today · 4.125%
HK$128,873
baseline
▲ 0.50% · 4.625%
HK$136,714
+HK$7,841/mo
Deposit HK$2.95M · loan HK$26.59M · min. income ≈ HK$257,746/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,255,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,910
−HK$7,288/mo
▼ 0.25% · 3.875%
HK$138,528
−HK$3,670/mo
Today · 4.125%
HK$142,198
baseline
▲ 0.50% · 4.625%
HK$149,694
+HK$7,496/mo
Deposit HK$2.95M · loan HK$26.59M · min. income ≈ HK$284,396/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,255,683 · Scale 2, in force from 26 Feb 2026)