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$67,106
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$69,194
−HK$2,121/mo
Today · 4.125%
HK$71,315
baseline
▲ 0.50% · 4.625%
HK$75,654
+HK$4,339/mo
Deposit HK$14.71M · loan HK$14.71M · min. income ≈ HK$142,630/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,250,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,655
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$76,657
−HK$2,032/mo
Today · 4.125%
HK$78,689
baseline
▲ 0.50% · 4.625%
HK$82,836
+HK$4,147/mo
Deposit HK$14.71M · loan HK$14.71M · min. income ≈ HK$157,378/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,250,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,528
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$83,033
−HK$2,545/mo
Today · 4.125%
HK$85,578
baseline
▲ 0.50% · 4.625%
HK$90,785
+HK$5,207/mo
Deposit HK$11.77M · loan HK$17.66M · min. income ≈ HK$171,156/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,250,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,586
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$91,989
−HK$2,437/mo
Today · 4.125%
HK$94,426
baseline
▲ 0.50% · 4.625%
HK$99,404
+HK$4,978/mo
Deposit HK$11.77M · loan HK$17.66M · min. income ≈ HK$188,852/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,250,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,949
−HK$5,891/mo
▼ 0.25% · 3.875%
HK$96,871
−HK$2,969/mo
Today · 4.125%
HK$99,840
baseline
▲ 0.50% · 4.625%
HK$105,915
+HK$6,075/mo
Deposit HK$8.83M · loan HK$20.60M · min. income ≈ HK$199,680/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,250,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,517
−HK$5,647/mo
▼ 0.25% · 3.875%
HK$107,320
−HK$2,844/mo
Today · 4.125%
HK$110,164
baseline
▲ 0.50% · 4.625%
HK$115,971
+HK$5,807/mo
Deposit HK$8.83M · loan HK$20.60M · min. income ≈ HK$220,328/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,250,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,792
−HK$7,574/mo
▼ 0.25% · 3.875%
HK$124,549
−HK$3,817/mo
Today · 4.125%
HK$128,366
baseline
▲ 0.50% · 4.625%
HK$136,177
+HK$7,811/mo
Deposit HK$2.94M · loan HK$26.49M · min. income ≈ HK$256,732/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,379
−HK$7,260/mo
▼ 0.25% · 3.875%
HK$137,983
−HK$3,656/mo
Today · 4.125%
HK$141,639
baseline
▲ 0.50% · 4.625%
HK$149,106
+HK$7,467/mo
Deposit HK$2.94M · loan HK$26.49M · min. income ≈ HK$283,278/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,747 · Scale 2, in force from 26 Feb 2026)