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$67,114
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$69,201
−HK$2,121/mo
Today · 4.125%
HK$71,322
baseline
▲ 0.50% · 4.625%
HK$75,662
+HK$4,340/mo
Deposit HK$14.72M · loan HK$14.72M · min. income ≈ HK$142,644/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,250,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,663
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$76,666
−HK$2,031/mo
Today · 4.125%
HK$78,697
baseline
▲ 0.50% · 4.625%
HK$82,846
+HK$4,149/mo
Deposit HK$14.72M · loan HK$14.72M · min. income ≈ HK$157,394/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,250,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,537
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$83,042
−HK$2,545/mo
Today · 4.125%
HK$85,587
baseline
▲ 0.50% · 4.625%
HK$90,795
+HK$5,208/mo
Deposit HK$11.77M · loan HK$17.66M · min. income ≈ HK$171,174/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,250,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,596
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$91,999
−HK$2,438/mo
Today · 4.125%
HK$94,437
baseline
▲ 0.50% · 4.625%
HK$99,415
+HK$4,978/mo
Deposit HK$11.77M · loan HK$17.66M · min. income ≈ HK$188,874/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,250,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,959
−HK$5,892/mo
▼ 0.25% · 3.875%
HK$96,882
−HK$2,969/mo
Today · 4.125%
HK$99,851
baseline
▲ 0.50% · 4.625%
HK$105,927
+HK$6,076/mo
Deposit HK$8.83M · loan HK$20.60M · min. income ≈ HK$199,702/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,250,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,529
−HK$5,647/mo
▼ 0.25% · 3.875%
HK$107,332
−HK$2,844/mo
Today · 4.125%
HK$110,176
baseline
▲ 0.50% · 4.625%
HK$115,984
+HK$5,808/mo
Deposit HK$8.83M · loan HK$20.60M · min. income ≈ HK$220,352/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,250,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,805
−HK$7,575/mo
▼ 0.25% · 3.875%
HK$124,563
−HK$3,817/mo
Today · 4.125%
HK$128,380
baseline
▲ 0.50% · 4.625%
HK$136,192
+HK$7,812/mo
Deposit HK$2.94M · loan HK$26.49M · min. income ≈ HK$256,760/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,394
−HK$7,261/mo
▼ 0.25% · 3.875%
HK$137,999
−HK$3,656/mo
Today · 4.125%
HK$141,655
baseline
▲ 0.50% · 4.625%
HK$149,122
+HK$7,467/mo
Deposit HK$2.94M · loan HK$26.49M · min. income ≈ HK$283,310/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,885 · Scale 2, in force from 26 Feb 2026)