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$67,094
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$69,181
−HK$2,120/mo
Today · 4.125%
HK$71,301
baseline
▲ 0.50% · 4.625%
HK$75,639
+HK$4,338/mo
Deposit HK$14.71M · loan HK$14.71M · min. income ≈ HK$142,602/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,250,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,641
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$76,643
−HK$2,031/mo
Today · 4.125%
HK$78,674
baseline
▲ 0.50% · 4.625%
HK$82,821
+HK$4,147/mo
Deposit HK$14.71M · loan HK$14.71M · min. income ≈ HK$157,348/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,250,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,512
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$83,017
−HK$2,544/mo
Today · 4.125%
HK$85,561
baseline
▲ 0.50% · 4.625%
HK$90,767
+HK$5,206/mo
Deposit HK$11.77M · loan HK$17.65M · min. income ≈ HK$171,122/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,250,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,569
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$91,971
−HK$2,437/mo
Today · 4.125%
HK$94,408
baseline
▲ 0.50% · 4.625%
HK$99,385
+HK$4,977/mo
Deposit HK$11.77M · loan HK$17.65M · min. income ≈ HK$188,816/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,250,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,931
−HK$5,890/mo
▼ 0.25% · 3.875%
HK$96,853
−HK$2,968/mo
Today · 4.125%
HK$99,821
baseline
▲ 0.50% · 4.625%
HK$105,895
+HK$6,074/mo
Deposit HK$8.83M · loan HK$20.60M · min. income ≈ HK$199,642/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,250,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,497
−HK$5,646/mo
▼ 0.25% · 3.875%
HK$107,300
−HK$2,843/mo
Today · 4.125%
HK$110,143
baseline
▲ 0.50% · 4.625%
HK$115,949
+HK$5,806/mo
Deposit HK$8.83M · loan HK$20.60M · min. income ≈ HK$220,286/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,250,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,768
−HK$7,574/mo
▼ 0.25% · 3.875%
HK$124,525
−HK$3,817/mo
Today · 4.125%
HK$128,342
baseline
▲ 0.50% · 4.625%
HK$136,151
+HK$7,809/mo
Deposit HK$2.94M · loan HK$26.48M · min. income ≈ HK$256,684/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,354
−HK$7,258/mo
▼ 0.25% · 3.875%
HK$137,957
−HK$3,655/mo
Today · 4.125%
HK$141,612
baseline
▲ 0.50% · 4.625%
HK$149,077
+HK$7,465/mo
Deposit HK$2.94M · loan HK$26.48M · min. income ≈ HK$283,224/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,508 · Scale 2, in force from 26 Feb 2026)