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$67,347
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$69,442
−HK$2,129/mo
Today · 4.125%
HK$71,571
baseline
▲ 0.50% · 4.625%
HK$75,925
+HK$4,354/mo
Deposit HK$14.77M · loan HK$14.77M · min. income ≈ HK$143,142/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,255,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,923
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$76,933
−HK$2,038/mo
Today · 4.125%
HK$78,971
baseline
▲ 0.50% · 4.625%
HK$83,134
+HK$4,163/mo
Deposit HK$14.77M · loan HK$14.77M · min. income ≈ HK$157,942/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,255,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,817
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$83,331
−HK$2,554/mo
Today · 4.125%
HK$85,885
baseline
▲ 0.50% · 4.625%
HK$91,111
+HK$5,226/mo
Deposit HK$11.81M · loan HK$17.72M · min. income ≈ HK$171,770/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,255,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,908
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$92,319
−HK$2,446/mo
Today · 4.125%
HK$94,765
baseline
▲ 0.50% · 4.625%
HK$99,760
+HK$4,995/mo
Deposit HK$11.81M · loan HK$17.72M · min. income ≈ HK$189,530/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,255,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,286
−HK$5,913/mo
▼ 0.25% · 3.875%
HK$97,219
−HK$2,980/mo
Today · 4.125%
HK$100,199
baseline
▲ 0.50% · 4.625%
HK$106,296
+HK$6,097/mo
Deposit HK$8.86M · loan HK$20.67M · min. income ≈ HK$200,398/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$1,255,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,892
−HK$5,667/mo
▼ 0.25% · 3.875%
HK$107,706
−HK$2,853/mo
Today · 4.125%
HK$110,559
baseline
▲ 0.50% · 4.625%
HK$116,387
+HK$5,828/mo
Deposit HK$8.86M · loan HK$20.67M · min. income ≈ HK$221,118/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$1,255,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,225
−HK$7,602/mo
▼ 0.25% · 3.875%
HK$124,996
−HK$3,831/mo
Today · 4.125%
HK$128,827
baseline
▲ 0.50% · 4.625%
HK$136,666
+HK$7,839/mo
Deposit HK$2.95M · loan HK$26.58M · min. income ≈ HK$257,654/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,255,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,862
−HK$7,286/mo
▼ 0.25% · 3.875%
HK$138,479
−HK$3,669/mo
Today · 4.125%
HK$142,148
baseline
▲ 0.50% · 4.625%
HK$149,641
+HK$7,493/mo
Deposit HK$2.95M · loan HK$26.58M · min. income ≈ HK$284,296/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,255,236 · Scale 2, in force from 26 Feb 2026)