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$67,084
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$69,170
−HK$2,120/mo
Today · 4.125%
HK$71,290
baseline
▲ 0.50% · 4.625%
HK$75,628
+HK$4,338/mo
Deposit HK$14.71M · loan HK$14.71M · min. income ≈ HK$142,580/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,250,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,630
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$76,631
−HK$2,031/mo
Today · 4.125%
HK$78,662
baseline
▲ 0.50% · 4.625%
HK$82,808
+HK$4,146/mo
Deposit HK$14.71M · loan HK$14.71M · min. income ≈ HK$157,324/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,250,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,500
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$83,004
−HK$2,545/mo
Today · 4.125%
HK$85,549
baseline
▲ 0.50% · 4.625%
HK$90,754
+HK$5,205/mo
Deposit HK$11.77M · loan HK$17.65M · min. income ≈ HK$171,098/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,250,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,556
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$91,958
−HK$2,436/mo
Today · 4.125%
HK$94,394
baseline
▲ 0.50% · 4.625%
HK$99,370
+HK$4,976/mo
Deposit HK$11.77M · loan HK$17.65M · min. income ≈ HK$188,788/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,250,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,917
−HK$5,890/mo
▼ 0.25% · 3.875%
HK$96,839
−HK$2,968/mo
Today · 4.125%
HK$99,807
baseline
▲ 0.50% · 4.625%
HK$105,880
+HK$6,073/mo
Deposit HK$8.83M · loan HK$20.59M · min. income ≈ HK$199,614/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,250,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,482
−HK$5,645/mo
▼ 0.25% · 3.875%
HK$107,284
−HK$2,843/mo
Today · 4.125%
HK$110,127
baseline
▲ 0.50% · 4.625%
HK$115,932
+HK$5,805/mo
Deposit HK$8.83M · loan HK$20.59M · min. income ≈ HK$220,254/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,250,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,751
−HK$7,572/mo
▼ 0.25% · 3.875%
HK$124,507
−HK$3,816/mo
Today · 4.125%
HK$128,323
baseline
▲ 0.50% · 4.625%
HK$136,131
+HK$7,808/mo
Deposit HK$2.94M · loan HK$26.48M · min. income ≈ HK$256,646/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,334
−HK$7,258/mo
▼ 0.25% · 3.875%
HK$137,937
−HK$3,655/mo
Today · 4.125%
HK$141,592
baseline
▲ 0.50% · 4.625%
HK$149,055
+HK$7,463/mo
Deposit HK$2.94M · loan HK$26.48M · min. income ≈ HK$283,184/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,324 · Scale 2, in force from 26 Feb 2026)