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$67,065
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$69,151
−HK$2,120/mo
Today · 4.125%
HK$71,271
baseline
▲ 0.50% · 4.625%
HK$75,607
+HK$4,336/mo
Deposit HK$14.71M · loan HK$14.71M · min. income ≈ HK$142,542/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,249,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,609
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$76,610
−HK$2,030/mo
Today · 4.125%
HK$78,640
baseline
▲ 0.50% · 4.625%
HK$82,785
+HK$4,145/mo
Deposit HK$14.71M · loan HK$14.71M · min. income ≈ HK$157,280/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,249,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,478
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$82,981
−HK$2,544/mo
Today · 4.125%
HK$85,525
baseline
▲ 0.50% · 4.625%
HK$90,729
+HK$5,204/mo
Deposit HK$11.76M · loan HK$17.65M · min. income ≈ HK$171,050/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,249,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,531
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$91,932
−HK$2,436/mo
Today · 4.125%
HK$94,368
baseline
▲ 0.50% · 4.625%
HK$99,342
+HK$4,974/mo
Deposit HK$11.76M · loan HK$17.65M · min. income ≈ HK$188,736/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,249,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,891
−HK$5,888/mo
▼ 0.25% · 3.875%
HK$96,811
−HK$2,968/mo
Today · 4.125%
HK$99,779
baseline
▲ 0.50% · 4.625%
HK$105,850
+HK$6,071/mo
Deposit HK$8.82M · loan HK$20.59M · min. income ≈ HK$199,558/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$1,249,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,453
−HK$5,643/mo
▼ 0.25% · 3.875%
HK$107,254
−HK$2,842/mo
Today · 4.125%
HK$110,096
baseline
▲ 0.50% · 4.625%
HK$115,899
+HK$5,803/mo
Deposit HK$8.82M · loan HK$20.59M · min. income ≈ HK$220,192/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$1,249,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,717
−HK$7,570/mo
▼ 0.25% · 3.875%
HK$124,472
−HK$3,815/mo
Today · 4.125%
HK$128,287
baseline
▲ 0.50% · 4.625%
HK$136,093
+HK$7,806/mo
Deposit HK$2.94M · loan HK$26.47M · min. income ≈ HK$256,574/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,249,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,296
−HK$7,256/mo
▼ 0.25% · 3.875%
HK$137,898
−HK$3,654/mo
Today · 4.125%
HK$141,552
baseline
▲ 0.50% · 4.625%
HK$149,013
+HK$7,461/mo
Deposit HK$2.94M · loan HK$26.47M · min. income ≈ HK$283,104/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,249,974 · Scale 2, in force from 26 Feb 2026)