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$67,376
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$69,472
−HK$2,130/mo
Today · 4.125%
HK$71,602
baseline
▲ 0.50% · 4.625%
HK$75,958
+HK$4,356/mo
Deposit HK$14.77M · loan HK$14.77M · min. income ≈ HK$143,204/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,255,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,956
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$76,966
−HK$2,039/mo
Today · 4.125%
HK$79,005
baseline
▲ 0.50% · 4.625%
HK$83,170
+HK$4,165/mo
Deposit HK$14.77M · loan HK$14.77M · min. income ≈ HK$158,010/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,255,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,852
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$83,367
−HK$2,555/mo
Today · 4.125%
HK$85,922
baseline
▲ 0.50% · 4.625%
HK$91,150
+HK$5,228/mo
Deposit HK$11.82M · loan HK$17.73M · min. income ≈ HK$171,844/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,255,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,947
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$92,359
−HK$2,447/mo
Today · 4.125%
HK$94,806
baseline
▲ 0.50% · 4.625%
HK$99,804
+HK$4,998/mo
Deposit HK$11.82M · loan HK$17.73M · min. income ≈ HK$189,612/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,255,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,327
−HK$5,915/mo
▼ 0.25% · 3.875%
HK$97,261
−HK$2,981/mo
Today · 4.125%
HK$100,242
baseline
▲ 0.50% · 4.625%
HK$106,342
+HK$6,100/mo
Deposit HK$8.86M · loan HK$20.68M · min. income ≈ HK$200,484/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$1,255,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,938
−HK$5,669/mo
▼ 0.25% · 3.875%
HK$107,752
−HK$2,855/mo
Today · 4.125%
HK$110,607
baseline
▲ 0.50% · 4.625%
HK$116,438
+HK$5,831/mo
Deposit HK$8.86M · loan HK$20.68M · min. income ≈ HK$221,214/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$1,255,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,278
−HK$7,605/mo
▼ 0.25% · 3.875%
HK$125,050
−HK$3,833/mo
Today · 4.125%
HK$128,883
baseline
▲ 0.50% · 4.625%
HK$136,725
+HK$7,842/mo
Deposit HK$2.95M · loan HK$26.59M · min. income ≈ HK$257,766/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,255,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,920
−HK$7,289/mo
▼ 0.25% · 3.875%
HK$138,539
−HK$3,670/mo
Today · 4.125%
HK$142,209
baseline
▲ 0.50% · 4.625%
HK$149,706
+HK$7,497/mo
Deposit HK$2.95M · loan HK$26.59M · min. income ≈ HK$284,418/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,255,780 · Scale 2, in force from 26 Feb 2026)