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$67,116
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$69,204
−HK$2,121/mo
Today · 4.125%
HK$71,325
baseline
▲ 0.50% · 4.625%
HK$75,665
+HK$4,340/mo
Deposit HK$14.72M · loan HK$14.72M · min. income ≈ HK$142,650/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,250,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,666
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$76,669
−HK$2,031/mo
Today · 4.125%
HK$78,700
baseline
▲ 0.50% · 4.625%
HK$82,848
+HK$4,148/mo
Deposit HK$14.72M · loan HK$14.72M · min. income ≈ HK$157,400/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,250,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,539
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$83,045
−HK$2,545/mo
Today · 4.125%
HK$85,590
baseline
▲ 0.50% · 4.625%
HK$90,798
+HK$5,208/mo
Deposit HK$11.77M · loan HK$17.66M · min. income ≈ HK$171,180/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,250,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,599
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$92,002
−HK$2,438/mo
Today · 4.125%
HK$94,440
baseline
▲ 0.50% · 4.625%
HK$99,418
+HK$4,978/mo
Deposit HK$11.77M · loan HK$17.66M · min. income ≈ HK$188,880/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,250,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,963
−HK$5,892/mo
▼ 0.25% · 3.875%
HK$96,885
−HK$2,970/mo
Today · 4.125%
HK$99,855
baseline
▲ 0.50% · 4.625%
HK$105,931
+HK$6,076/mo
Deposit HK$8.83M · loan HK$20.60M · min. income ≈ HK$199,710/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,250,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,533
−HK$5,647/mo
▼ 0.25% · 3.875%
HK$107,336
−HK$2,844/mo
Today · 4.125%
HK$110,180
baseline
▲ 0.50% · 4.625%
HK$115,988
+HK$5,808/mo
Deposit HK$8.83M · loan HK$20.60M · min. income ≈ HK$220,360/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,250,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,809
−HK$7,576/mo
▼ 0.25% · 3.875%
HK$124,567
−HK$3,818/mo
Today · 4.125%
HK$128,385
baseline
▲ 0.50% · 4.625%
HK$136,197
+HK$7,812/mo
Deposit HK$2.94M · loan HK$26.49M · min. income ≈ HK$256,770/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,399
−HK$7,261/mo
▼ 0.25% · 3.875%
HK$138,004
−HK$3,656/mo
Today · 4.125%
HK$141,660
baseline
▲ 0.50% · 4.625%
HK$149,127
+HK$7,467/mo
Deposit HK$2.94M · loan HK$26.49M · min. income ≈ HK$283,320/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,930 · Scale 2, in force from 26 Feb 2026)