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$67,439
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$69,537
−HK$2,131/mo
Today · 4.125%
HK$71,668
baseline
▲ 0.50% · 4.625%
HK$76,029
+HK$4,361/mo
Deposit HK$14.79M · loan HK$14.79M · min. income ≈ HK$143,336/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,256,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,026
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$77,038
−HK$2,041/mo
Today · 4.125%
HK$79,079
baseline
▲ 0.50% · 4.625%
HK$83,247
+HK$4,168/mo
Deposit HK$14.79M · loan HK$14.79M · min. income ≈ HK$158,158/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,256,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,927
−HK$5,075/mo
▼ 0.25% · 3.875%
HK$83,444
−HK$2,558/mo
Today · 4.125%
HK$86,002
baseline
▲ 0.50% · 4.625%
HK$91,235
+HK$5,233/mo
Deposit HK$11.83M · loan HK$17.75M · min. income ≈ HK$172,004/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,256,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,031
−HK$4,864/mo
▼ 0.25% · 3.875%
HK$92,445
−HK$2,450/mo
Today · 4.125%
HK$94,895
baseline
▲ 0.50% · 4.625%
HK$99,897
+HK$5,002/mo
Deposit HK$11.83M · loan HK$17.75M · min. income ≈ HK$189,790/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,256,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,415
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$97,352
−HK$2,984/mo
Today · 4.125%
HK$100,336
baseline
▲ 0.50% · 4.625%
HK$106,441
+HK$6,105/mo
Deposit HK$8.87M · loan HK$20.70M · min. income ≈ HK$200,672/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,256,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,036
−HK$5,675/mo
▼ 0.25% · 3.875%
HK$107,853
−HK$2,858/mo
Today · 4.125%
HK$110,711
baseline
▲ 0.50% · 4.625%
HK$116,546
+HK$5,835/mo
Deposit HK$8.87M · loan HK$20.70M · min. income ≈ HK$221,422/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,256,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,391
−HK$7,612/mo
▼ 0.25% · 3.875%
HK$125,167
−HK$3,836/mo
Today · 4.125%
HK$129,003
baseline
▲ 0.50% · 4.625%
HK$136,853
+HK$7,850/mo
Deposit HK$2.96M · loan HK$26.62M · min. income ≈ HK$258,006/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,256,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,046
−HK$7,296/mo
▼ 0.25% · 3.875%
HK$138,668
−HK$3,674/mo
Today · 4.125%
HK$142,342
baseline
▲ 0.50% · 4.625%
HK$149,845
+HK$7,503/mo
Deposit HK$2.96M · loan HK$26.62M · min. income ≈ HK$284,684/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,256,952 · Scale 2, in force from 26 Feb 2026)