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$67,119
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$69,206
−HK$2,122/mo
Today · 4.125%
HK$71,328
baseline
▲ 0.50% · 4.625%
HK$75,668
+HK$4,340/mo
Deposit HK$14.72M · loan HK$14.72M · min. income ≈ HK$142,656/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,250,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,669
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$76,671
−HK$2,032/mo
Today · 4.125%
HK$78,703
baseline
▲ 0.50% · 4.625%
HK$82,852
+HK$4,149/mo
Deposit HK$14.72M · loan HK$14.72M · min. income ≈ HK$157,406/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,250,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,542
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$83,048
−HK$2,545/mo
Today · 4.125%
HK$85,593
baseline
▲ 0.50% · 4.625%
HK$90,801
+HK$5,208/mo
Deposit HK$11.77M · loan HK$17.66M · min. income ≈ HK$171,186/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,250,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,603
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$92,006
−HK$2,438/mo
Today · 4.125%
HK$94,444
baseline
▲ 0.50% · 4.625%
HK$99,422
+HK$4,978/mo
Deposit HK$11.77M · loan HK$17.66M · min. income ≈ HK$188,888/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,250,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,966
−HK$5,893/mo
▼ 0.25% · 3.875%
HK$96,889
−HK$2,970/mo
Today · 4.125%
HK$99,859
baseline
▲ 0.50% · 4.625%
HK$105,935
+HK$6,076/mo
Deposit HK$8.83M · loan HK$20.60M · min. income ≈ HK$199,718/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,250,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,536
−HK$5,648/mo
▼ 0.25% · 3.875%
HK$107,340
−HK$2,844/mo
Today · 4.125%
HK$110,184
baseline
▲ 0.50% · 4.625%
HK$115,992
+HK$5,808/mo
Deposit HK$8.83M · loan HK$20.60M · min. income ≈ HK$220,368/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,250,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,814
−HK$7,576/mo
▼ 0.25% · 3.875%
HK$124,572
−HK$3,818/mo
Today · 4.125%
HK$128,390
baseline
▲ 0.50% · 4.625%
HK$136,202
+HK$7,812/mo
Deposit HK$2.94M · loan HK$26.49M · min. income ≈ HK$256,780/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,404
−HK$7,261/mo
▼ 0.25% · 3.875%
HK$138,009
−HK$3,656/mo
Today · 4.125%
HK$141,665
baseline
▲ 0.50% · 4.625%
HK$149,133
+HK$7,468/mo
Deposit HK$2.94M · loan HK$26.49M · min. income ≈ HK$283,330/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,976 · Scale 2, in force from 26 Feb 2026)