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$67,408
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$69,505
−HK$2,130/mo
Today · 4.125%
HK$71,635
baseline
▲ 0.50% · 4.625%
HK$75,994
+HK$4,359/mo
Deposit HK$14.78M · loan HK$14.78M · min. income ≈ HK$143,270/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,256,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,991
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$77,002
−HK$2,040/mo
Today · 4.125%
HK$79,042
baseline
▲ 0.50% · 4.625%
HK$83,209
+HK$4,167/mo
Deposit HK$14.78M · loan HK$14.78M · min. income ≈ HK$158,084/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,256,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,890
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$83,406
−HK$2,556/mo
Today · 4.125%
HK$85,962
baseline
▲ 0.50% · 4.625%
HK$91,193
+HK$5,231/mo
Deposit HK$11.82M · loan HK$17.74M · min. income ≈ HK$171,924/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,256,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,989
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$92,403
−HK$2,448/mo
Today · 4.125%
HK$94,851
baseline
▲ 0.50% · 4.625%
HK$99,851
+HK$5,000/mo
Deposit HK$11.82M · loan HK$17.74M · min. income ≈ HK$189,702/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,256,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,371
−HK$5,918/mo
▼ 0.25% · 3.875%
HK$97,307
−HK$2,982/mo
Today · 4.125%
HK$100,289
baseline
▲ 0.50% · 4.625%
HK$106,392
+HK$6,103/mo
Deposit HK$8.87M · loan HK$20.69M · min. income ≈ HK$200,578/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$1,256,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,987
−HK$5,672/mo
▼ 0.25% · 3.875%
HK$107,803
−HK$2,856/mo
Today · 4.125%
HK$110,659
baseline
▲ 0.50% · 4.625%
HK$116,492
+HK$5,833/mo
Deposit HK$8.87M · loan HK$20.69M · min. income ≈ HK$221,318/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$1,256,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,335
−HK$7,608/mo
▼ 0.25% · 3.875%
HK$125,109
−HK$3,834/mo
Today · 4.125%
HK$128,943
baseline
▲ 0.50% · 4.625%
HK$136,789
+HK$7,846/mo
Deposit HK$2.96M · loan HK$26.61M · min. income ≈ HK$257,886/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,256,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,984
−HK$7,292/mo
▼ 0.25% · 3.875%
HK$138,604
−HK$3,672/mo
Today · 4.125%
HK$142,276
baseline
▲ 0.50% · 4.625%
HK$149,776
+HK$7,500/mo
Deposit HK$2.96M · loan HK$26.61M · min. income ≈ HK$284,552/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,256,370 · Scale 2, in force from 26 Feb 2026)