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$67,433
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$69,530
−HK$2,131/mo
Today · 4.125%
HK$71,661
baseline
▲ 0.50% · 4.625%
HK$76,022
+HK$4,361/mo
Deposit HK$14.79M · loan HK$14.79M · min. income ≈ HK$143,322/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,256,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,018
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$77,030
−HK$2,041/mo
Today · 4.125%
HK$79,071
baseline
▲ 0.50% · 4.625%
HK$83,239
+HK$4,168/mo
Deposit HK$14.79M · loan HK$14.79M · min. income ≈ HK$158,142/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,256,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,919
−HK$5,075/mo
▼ 0.25% · 3.875%
HK$83,436
−HK$2,558/mo
Today · 4.125%
HK$85,994
baseline
▲ 0.50% · 4.625%
HK$91,226
+HK$5,232/mo
Deposit HK$11.83M · loan HK$17.74M · min. income ≈ HK$171,988/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,256,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,022
−HK$4,863/mo
▼ 0.25% · 3.875%
HK$92,436
−HK$2,449/mo
Today · 4.125%
HK$94,885
baseline
▲ 0.50% · 4.625%
HK$99,887
+HK$5,002/mo
Deposit HK$11.83M · loan HK$17.74M · min. income ≈ HK$189,770/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,256,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,406
−HK$5,920/mo
▼ 0.25% · 3.875%
HK$97,342
−HK$2,984/mo
Today · 4.125%
HK$100,326
baseline
▲ 0.50% · 4.625%
HK$106,430
+HK$6,104/mo
Deposit HK$8.87M · loan HK$20.70M · min. income ≈ HK$200,652/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,256,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,025
−HK$5,675/mo
▼ 0.25% · 3.875%
HK$107,842
−HK$2,858/mo
Today · 4.125%
HK$110,700
baseline
▲ 0.50% · 4.625%
HK$116,535
+HK$5,835/mo
Deposit HK$8.87M · loan HK$20.70M · min. income ≈ HK$221,400/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,256,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,379
−HK$7,611/mo
▼ 0.25% · 3.875%
HK$125,154
−HK$3,836/mo
Today · 4.125%
HK$128,990
baseline
▲ 0.50% · 4.625%
HK$136,839
+HK$7,849/mo
Deposit HK$2.96M · loan HK$26.62M · min. income ≈ HK$257,980/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,256,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,033
−HK$7,295/mo
▼ 0.25% · 3.875%
HK$138,654
−HK$3,674/mo
Today · 4.125%
HK$142,328
baseline
▲ 0.50% · 4.625%
HK$149,830
+HK$7,502/mo
Deposit HK$2.96M · loan HK$26.62M · min. income ≈ HK$284,656/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,256,828 · Scale 2, in force from 26 Feb 2026)