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$67,103
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$69,191
−HK$2,120/mo
Today · 4.125%
HK$71,311
baseline
▲ 0.50% · 4.625%
HK$75,651
+HK$4,340/mo
Deposit HK$14.71M · loan HK$14.71M · min. income ≈ HK$142,622/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,250,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,652
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$76,654
−HK$2,031/mo
Today · 4.125%
HK$78,685
baseline
▲ 0.50% · 4.625%
HK$82,833
+HK$4,148/mo
Deposit HK$14.71M · loan HK$14.71M · min. income ≈ HK$157,370/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,250,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,524
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$83,029
−HK$2,545/mo
Today · 4.125%
HK$85,574
baseline
▲ 0.50% · 4.625%
HK$90,781
+HK$5,207/mo
Deposit HK$11.77M · loan HK$17.66M · min. income ≈ HK$171,148/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,250,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,582
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$91,985
−HK$2,437/mo
Today · 4.125%
HK$94,422
baseline
▲ 0.50% · 4.625%
HK$99,399
+HK$4,977/mo
Deposit HK$11.77M · loan HK$17.66M · min. income ≈ HK$188,844/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,250,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,945
−HK$5,891/mo
▼ 0.25% · 3.875%
HK$96,867
−HK$2,969/mo
Today · 4.125%
HK$99,836
baseline
▲ 0.50% · 4.625%
HK$105,911
+HK$6,075/mo
Deposit HK$8.83M · loan HK$20.60M · min. income ≈ HK$199,672/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,250,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,513
−HK$5,646/mo
▼ 0.25% · 3.875%
HK$107,316
−HK$2,843/mo
Today · 4.125%
HK$110,159
baseline
▲ 0.50% · 4.625%
HK$115,966
+HK$5,807/mo
Deposit HK$8.83M · loan HK$20.60M · min. income ≈ HK$220,318/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,250,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,786
−HK$7,575/mo
▼ 0.25% · 3.875%
HK$124,543
−HK$3,818/mo
Today · 4.125%
HK$128,361
baseline
▲ 0.50% · 4.625%
HK$136,171
+HK$7,810/mo
Deposit HK$2.94M · loan HK$26.49M · min. income ≈ HK$256,722/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,374
−HK$7,259/mo
▼ 0.25% · 3.875%
HK$137,977
−HK$3,656/mo
Today · 4.125%
HK$141,633
baseline
▲ 0.50% · 4.625%
HK$149,099
+HK$7,466/mo
Deposit HK$2.94M · loan HK$26.49M · min. income ≈ HK$283,266/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,692 · Scale 2, in force from 26 Feb 2026)