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$67,386
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$69,482
−HK$2,130/mo
Today · 4.125%
HK$71,612
baseline
▲ 0.50% · 4.625%
HK$75,969
+HK$4,357/mo
Deposit HK$14.78M · loan HK$14.78M · min. income ≈ HK$143,224/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,255,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,967
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$76,977
−HK$2,040/mo
Today · 4.125%
HK$79,017
baseline
▲ 0.50% · 4.625%
HK$83,182
+HK$4,165/mo
Deposit HK$14.78M · loan HK$14.78M · min. income ≈ HK$158,034/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,255,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,864
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$83,379
−HK$2,555/mo
Today · 4.125%
HK$85,934
baseline
▲ 0.50% · 4.625%
HK$91,163
+HK$5,229/mo
Deposit HK$11.82M · loan HK$17.73M · min. income ≈ HK$171,868/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,255,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,960
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$92,373
−HK$2,447/mo
Today · 4.125%
HK$94,820
baseline
▲ 0.50% · 4.625%
HK$99,818
+HK$4,998/mo
Deposit HK$11.82M · loan HK$17.73M · min. income ≈ HK$189,640/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,255,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,341
−HK$5,916/mo
▼ 0.25% · 3.875%
HK$97,275
−HK$2,982/mo
Today · 4.125%
HK$100,257
baseline
▲ 0.50% · 4.625%
HK$106,357
+HK$6,100/mo
Deposit HK$8.87M · loan HK$20.69M · min. income ≈ HK$200,514/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$1,255,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,953
−HK$5,670/mo
▼ 0.25% · 3.875%
HK$107,768
−HK$2,855/mo
Today · 4.125%
HK$110,623
baseline
▲ 0.50% · 4.625%
HK$116,455
+HK$5,832/mo
Deposit HK$8.87M · loan HK$20.69M · min. income ≈ HK$221,246/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$1,255,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,295
−HK$7,607/mo
▼ 0.25% · 3.875%
HK$125,068
−HK$3,834/mo
Today · 4.125%
HK$128,902
baseline
▲ 0.50% · 4.625%
HK$136,745
+HK$7,843/mo
Deposit HK$2.96M · loan HK$26.60M · min. income ≈ HK$257,804/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,255,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,940
−HK$7,290/mo
▼ 0.25% · 3.875%
HK$138,559
−HK$3,671/mo
Today · 4.125%
HK$142,230
baseline
▲ 0.50% · 4.625%
HK$149,727
+HK$7,497/mo
Deposit HK$2.96M · loan HK$26.60M · min. income ≈ HK$284,460/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,255,963 · Scale 2, in force from 26 Feb 2026)