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$67,098
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$69,185
−HK$2,121/mo
Today · 4.125%
HK$71,306
baseline
▲ 0.50% · 4.625%
HK$75,645
+HK$4,339/mo
Deposit HK$14.71M · loan HK$14.71M · min. income ≈ HK$142,612/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,250,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,646
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$76,648
−HK$2,031/mo
Today · 4.125%
HK$78,679
baseline
▲ 0.50% · 4.625%
HK$82,826
+HK$4,147/mo
Deposit HK$14.71M · loan HK$14.71M · min. income ≈ HK$157,358/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,250,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,518
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$83,022
−HK$2,545/mo
Today · 4.125%
HK$85,567
baseline
▲ 0.50% · 4.625%
HK$90,773
+HK$5,206/mo
Deposit HK$11.77M · loan HK$17.66M · min. income ≈ HK$171,134/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,250,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,575
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$91,978
−HK$2,437/mo
Today · 4.125%
HK$94,415
baseline
▲ 0.50% · 4.625%
HK$99,391
+HK$4,976/mo
Deposit HK$11.77M · loan HK$17.66M · min. income ≈ HK$188,830/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,250,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,937
−HK$5,891/mo
▼ 0.25% · 3.875%
HK$96,859
−HK$2,969/mo
Today · 4.125%
HK$99,828
baseline
▲ 0.50% · 4.625%
HK$105,902
+HK$6,074/mo
Deposit HK$8.83M · loan HK$20.60M · min. income ≈ HK$199,656/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,250,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,504
−HK$5,646/mo
▼ 0.25% · 3.875%
HK$107,307
−HK$2,843/mo
Today · 4.125%
HK$110,150
baseline
▲ 0.50% · 4.625%
HK$115,957
+HK$5,807/mo
Deposit HK$8.83M · loan HK$20.60M · min. income ≈ HK$220,300/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,250,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,777
−HK$7,573/mo
▼ 0.25% · 3.875%
HK$124,533
−HK$3,817/mo
Today · 4.125%
HK$128,350
baseline
▲ 0.50% · 4.625%
HK$136,160
+HK$7,810/mo
Deposit HK$2.94M · loan HK$26.48M · min. income ≈ HK$256,700/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,363
−HK$7,259/mo
▼ 0.25% · 3.875%
HK$137,966
−HK$3,656/mo
Today · 4.125%
HK$141,622
baseline
▲ 0.50% · 4.625%
HK$149,087
+HK$7,465/mo
Deposit HK$2.94M · loan HK$26.48M · min. income ≈ HK$283,244/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,592 · Scale 2, in force from 26 Feb 2026)