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$67,086
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$69,173
−HK$2,120/mo
Today · 4.125%
HK$71,293
baseline
▲ 0.50% · 4.625%
HK$75,631
+HK$4,338/mo
Deposit HK$14.71M · loan HK$14.71M · min. income ≈ HK$142,586/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,250,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,633
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$76,634
−HK$2,031/mo
Today · 4.125%
HK$78,665
baseline
▲ 0.50% · 4.625%
HK$82,811
+HK$4,146/mo
Deposit HK$14.71M · loan HK$14.71M · min. income ≈ HK$157,330/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,250,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,503
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$83,007
−HK$2,545/mo
Today · 4.125%
HK$85,552
baseline
▲ 0.50% · 4.625%
HK$90,757
+HK$5,205/mo
Deposit HK$11.77M · loan HK$17.65M · min. income ≈ HK$171,104/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,250,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,559
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$91,961
−HK$2,437/mo
Today · 4.125%
HK$94,398
baseline
▲ 0.50% · 4.625%
HK$99,374
+HK$4,976/mo
Deposit HK$11.77M · loan HK$17.65M · min. income ≈ HK$188,796/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,250,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,921
−HK$5,889/mo
▼ 0.25% · 3.875%
HK$96,842
−HK$2,968/mo
Today · 4.125%
HK$99,810
baseline
▲ 0.50% · 4.625%
HK$105,883
+HK$6,073/mo
Deposit HK$8.83M · loan HK$20.59M · min. income ≈ HK$199,620/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,250,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,486
−HK$5,645/mo
▼ 0.25% · 3.875%
HK$107,288
−HK$2,843/mo
Today · 4.125%
HK$110,131
baseline
▲ 0.50% · 4.625%
HK$115,936
+HK$5,805/mo
Deposit HK$8.83M · loan HK$20.59M · min. income ≈ HK$220,262/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,250,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,755
−HK$7,572/mo
▼ 0.25% · 3.875%
HK$124,511
−HK$3,816/mo
Today · 4.125%
HK$128,327
baseline
▲ 0.50% · 4.625%
HK$136,136
+HK$7,809/mo
Deposit HK$2.94M · loan HK$26.48M · min. income ≈ HK$256,654/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,339
−HK$7,258/mo
▼ 0.25% · 3.875%
HK$137,942
−HK$3,655/mo
Today · 4.125%
HK$141,597
baseline
▲ 0.50% · 4.625%
HK$149,060
+HK$7,463/mo
Deposit HK$2.94M · loan HK$26.48M · min. income ≈ HK$283,194/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,369 · Scale 2, in force from 26 Feb 2026)