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$67,116
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$69,203
−HK$2,121/mo
Today · 4.125%
HK$71,324
baseline
▲ 0.50% · 4.625%
HK$75,664
+HK$4,340/mo
Deposit HK$14.72M · loan HK$14.72M · min. income ≈ HK$142,648/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,250,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,665
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$76,668
−HK$2,031/mo
Today · 4.125%
HK$78,699
baseline
▲ 0.50% · 4.625%
HK$82,848
+HK$4,149/mo
Deposit HK$14.72M · loan HK$14.72M · min. income ≈ HK$157,398/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,250,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,539
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$83,044
−HK$2,545/mo
Today · 4.125%
HK$85,589
baseline
▲ 0.50% · 4.625%
HK$90,797
+HK$5,208/mo
Deposit HK$11.77M · loan HK$17.66M · min. income ≈ HK$171,178/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,250,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,598
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$92,001
−HK$2,438/mo
Today · 4.125%
HK$94,439
baseline
▲ 0.50% · 4.625%
HK$99,417
+HK$4,978/mo
Deposit HK$11.77M · loan HK$17.66M · min. income ≈ HK$188,878/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,250,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,962
−HK$5,892/mo
▼ 0.25% · 3.875%
HK$96,885
−HK$2,969/mo
Today · 4.125%
HK$99,854
baseline
▲ 0.50% · 4.625%
HK$105,930
+HK$6,076/mo
Deposit HK$8.83M · loan HK$20.60M · min. income ≈ HK$199,708/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,250,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,532
−HK$5,647/mo
▼ 0.25% · 3.875%
HK$107,335
−HK$2,844/mo
Today · 4.125%
HK$110,179
baseline
▲ 0.50% · 4.625%
HK$115,987
+HK$5,808/mo
Deposit HK$8.83M · loan HK$20.60M · min. income ≈ HK$220,358/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,250,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,808
−HK$7,576/mo
▼ 0.25% · 3.875%
HK$124,566
−HK$3,818/mo
Today · 4.125%
HK$128,384
baseline
▲ 0.50% · 4.625%
HK$136,196
+HK$7,812/mo
Deposit HK$2.94M · loan HK$26.49M · min. income ≈ HK$256,768/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,398
−HK$7,261/mo
▼ 0.25% · 3.875%
HK$138,002
−HK$3,657/mo
Today · 4.125%
HK$141,659
baseline
▲ 0.50% · 4.625%
HK$149,126
+HK$7,467/mo
Deposit HK$2.94M · loan HK$26.49M · min. income ≈ HK$283,318/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,917 · Scale 2, in force from 26 Feb 2026)