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$67,353
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$69,448
−HK$2,128/mo
Today · 4.125%
HK$71,576
baseline
▲ 0.50% · 4.625%
HK$75,932
+HK$4,356/mo
Deposit HK$14.77M · loan HK$14.77M · min. income ≈ HK$143,152/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,255,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,929
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$76,939
−HK$2,039/mo
Today · 4.125%
HK$78,978
baseline
▲ 0.50% · 4.625%
HK$83,141
+HK$4,163/mo
Deposit HK$14.77M · loan HK$14.77M · min. income ≈ HK$157,956/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,255,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,823
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$83,337
−HK$2,555/mo
Today · 4.125%
HK$85,892
baseline
▲ 0.50% · 4.625%
HK$91,118
+HK$5,226/mo
Deposit HK$11.81M · loan HK$17.72M · min. income ≈ HK$171,784/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,255,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,915
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$92,327
−HK$2,446/mo
Today · 4.125%
HK$94,773
baseline
▲ 0.50% · 4.625%
HK$99,769
+HK$4,996/mo
Deposit HK$11.81M · loan HK$17.72M · min. income ≈ HK$189,546/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,255,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,294
−HK$5,913/mo
▼ 0.25% · 3.875%
HK$97,227
−HK$2,980/mo
Today · 4.125%
HK$100,207
baseline
▲ 0.50% · 4.625%
HK$106,304
+HK$6,097/mo
Deposit HK$8.86M · loan HK$20.68M · min. income ≈ HK$200,414/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$1,255,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,901
−HK$5,668/mo
▼ 0.25% · 3.875%
HK$107,714
−HK$2,855/mo
Today · 4.125%
HK$110,569
baseline
▲ 0.50% · 4.625%
HK$116,397
+HK$5,828/mo
Deposit HK$8.86M · loan HK$20.68M · min. income ≈ HK$221,138/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$1,255,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,235
−HK$7,603/mo
▼ 0.25% · 3.875%
HK$125,006
−HK$3,832/mo
Today · 4.125%
HK$128,838
baseline
▲ 0.50% · 4.625%
HK$136,677
+HK$7,839/mo
Deposit HK$2.95M · loan HK$26.58M · min. income ≈ HK$257,676/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,255,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,873
−HK$7,287/mo
▼ 0.25% · 3.875%
HK$138,490
−HK$3,670/mo
Today · 4.125%
HK$142,160
baseline
▲ 0.50% · 4.625%
HK$149,653
+HK$7,493/mo
Deposit HK$2.95M · loan HK$26.58M · min. income ≈ HK$284,320/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,255,339 · Scale 2, in force from 26 Feb 2026)