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$66,997
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$69,081
−HK$2,117/mo
Today · 4.125%
HK$71,198
baseline
▲ 0.50% · 4.625%
HK$75,530
+HK$4,332/mo
Deposit HK$14.69M · loan HK$14.69M · min. income ≈ HK$142,396/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,248,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,533
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$76,532
−HK$2,028/mo
Today · 4.125%
HK$78,560
baseline
▲ 0.50% · 4.625%
HK$82,701
+HK$4,141/mo
Deposit HK$14.69M · loan HK$14.69M · min. income ≈ HK$157,120/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,248,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,396
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$82,897
−HK$2,540/mo
Today · 4.125%
HK$85,437
baseline
▲ 0.50% · 4.625%
HK$90,636
+HK$5,199/mo
Deposit HK$11.75M · loan HK$17.63M · min. income ≈ HK$170,874/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,248,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,440
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$91,838
−HK$2,434/mo
Today · 4.125%
HK$94,272
baseline
▲ 0.50% · 4.625%
HK$99,241
+HK$4,969/mo
Deposit HK$11.75M · loan HK$17.63M · min. income ≈ HK$188,544/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,248,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,795
−HK$5,882/mo
▼ 0.25% · 3.875%
HK$96,713
−HK$2,964/mo
Today · 4.125%
HK$99,677
baseline
▲ 0.50% · 4.625%
HK$105,742
+HK$6,065/mo
Deposit HK$8.81M · loan HK$20.57M · min. income ≈ HK$199,354/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,248,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,346
−HK$5,638/mo
▼ 0.25% · 3.875%
HK$107,145
−HK$2,839/mo
Today · 4.125%
HK$109,984
baseline
▲ 0.50% · 4.625%
HK$115,781
+HK$5,797/mo
Deposit HK$8.81M · loan HK$20.57M · min. income ≈ HK$219,968/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,248,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,594
−HK$7,562/mo
▼ 0.25% · 3.875%
HK$124,345
−HK$3,811/mo
Today · 4.125%
HK$128,156
baseline
▲ 0.50% · 4.625%
HK$135,954
+HK$7,798/mo
Deposit HK$2.94M · loan HK$26.44M · min. income ≈ HK$256,312/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,248,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,159
−HK$7,249/mo
▼ 0.25% · 3.875%
HK$137,758
−HK$3,650/mo
Today · 4.125%
HK$141,408
baseline
▲ 0.50% · 4.625%
HK$148,861
+HK$7,453/mo
Deposit HK$2.94M · loan HK$26.44M · min. income ≈ HK$282,816/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,248,700 · Scale 2, in force from 26 Feb 2026)