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$67,361
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$69,457
−HK$2,129/mo
Today · 4.125%
HK$71,586
baseline
▲ 0.50% · 4.625%
HK$75,941
+HK$4,355/mo
Deposit HK$14.77M · loan HK$14.77M · min. income ≈ HK$143,172/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,255,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,939
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$76,949
−HK$2,039/mo
Today · 4.125%
HK$78,988
baseline
▲ 0.50% · 4.625%
HK$83,151
+HK$4,163/mo
Deposit HK$14.77M · loan HK$14.77M · min. income ≈ HK$157,976/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,255,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,834
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$83,348
−HK$2,555/mo
Today · 4.125%
HK$85,903
baseline
▲ 0.50% · 4.625%
HK$91,130
+HK$5,227/mo
Deposit HK$11.82M · loan HK$17.72M · min. income ≈ HK$171,806/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,255,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,927
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$92,338
−HK$2,447/mo
Today · 4.125%
HK$94,785
baseline
▲ 0.50% · 4.625%
HK$99,781
+HK$4,996/mo
Deposit HK$11.82M · loan HK$17.72M · min. income ≈ HK$189,570/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,255,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,306
−HK$5,914/mo
▼ 0.25% · 3.875%
HK$97,239
−HK$2,981/mo
Today · 4.125%
HK$100,220
baseline
▲ 0.50% · 4.625%
HK$106,318
+HK$6,098/mo
Deposit HK$8.86M · loan HK$20.68M · min. income ≈ HK$200,440/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$1,255,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,914
−HK$5,669/mo
▼ 0.25% · 3.875%
HK$107,728
−HK$2,855/mo
Today · 4.125%
HK$110,583
baseline
▲ 0.50% · 4.625%
HK$116,412
+HK$5,829/mo
Deposit HK$8.86M · loan HK$20.68M · min. income ≈ HK$221,166/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$1,255,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,250
−HK$7,604/mo
▼ 0.25% · 3.875%
HK$125,022
−HK$3,832/mo
Today · 4.125%
HK$128,854
baseline
▲ 0.50% · 4.625%
HK$136,694
+HK$7,840/mo
Deposit HK$2.95M · loan HK$26.59M · min. income ≈ HK$257,708/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,255,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,890
−HK$7,288/mo
▼ 0.25% · 3.875%
HK$138,508
−HK$3,670/mo
Today · 4.125%
HK$142,178
baseline
▲ 0.50% · 4.625%
HK$149,672
+HK$7,494/mo
Deposit HK$2.95M · loan HK$26.59M · min. income ≈ HK$284,356/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,255,499 · Scale 2, in force from 26 Feb 2026)