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$67,073
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$69,159
−HK$2,120/mo
Today · 4.125%
HK$71,279
baseline
▲ 0.50% · 4.625%
HK$75,616
+HK$4,337/mo
Deposit HK$14.71M · loan HK$14.71M · min. income ≈ HK$142,558/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,250,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,618
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$76,619
−HK$2,030/mo
Today · 4.125%
HK$78,649
baseline
▲ 0.50% · 4.625%
HK$82,795
+HK$4,146/mo
Deposit HK$14.71M · loan HK$14.71M · min. income ≈ HK$157,298/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,250,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,487
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$82,991
−HK$2,543/mo
Today · 4.125%
HK$85,534
baseline
▲ 0.50% · 4.625%
HK$90,739
+HK$5,205/mo
Deposit HK$11.77M · loan HK$17.65M · min. income ≈ HK$171,068/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,250,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,541
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$91,942
−HK$2,437/mo
Today · 4.125%
HK$94,379
baseline
▲ 0.50% · 4.625%
HK$99,354
+HK$4,975/mo
Deposit HK$11.77M · loan HK$17.65M · min. income ≈ HK$188,758/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,250,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,902
−HK$5,888/mo
▼ 0.25% · 3.875%
HK$96,822
−HK$2,968/mo
Today · 4.125%
HK$99,790
baseline
▲ 0.50% · 4.625%
HK$105,862
+HK$6,072/mo
Deposit HK$8.82M · loan HK$20.59M · min. income ≈ HK$199,580/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$1,250,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,465
−HK$5,643/mo
▼ 0.25% · 3.875%
HK$107,266
−HK$2,842/mo
Today · 4.125%
HK$110,108
baseline
▲ 0.50% · 4.625%
HK$115,912
+HK$5,804/mo
Deposit HK$8.82M · loan HK$20.59M · min. income ≈ HK$220,216/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$1,250,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,731
−HK$7,570/mo
▼ 0.25% · 3.875%
HK$124,486
−HK$3,815/mo
Today · 4.125%
HK$128,301
baseline
▲ 0.50% · 4.625%
HK$136,108
+HK$7,807/mo
Deposit HK$2.94M · loan HK$26.47M · min. income ≈ HK$256,602/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,312
−HK$7,256/mo
▼ 0.25% · 3.875%
HK$137,914
−HK$3,654/mo
Today · 4.125%
HK$141,568
baseline
▲ 0.50% · 4.625%
HK$149,030
+HK$7,462/mo
Deposit HK$2.94M · loan HK$26.47M · min. income ≈ HK$283,136/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,116 · Scale 2, in force from 26 Feb 2026)