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$67,096
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$69,183
−HK$2,121/mo
Today · 4.125%
HK$71,304
baseline
▲ 0.50% · 4.625%
HK$75,642
+HK$4,338/mo
Deposit HK$14.71M · loan HK$14.71M · min. income ≈ HK$142,608/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,250,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,644
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$76,646
−HK$2,031/mo
Today · 4.125%
HK$78,677
baseline
▲ 0.50% · 4.625%
HK$82,824
+HK$4,147/mo
Deposit HK$14.71M · loan HK$14.71M · min. income ≈ HK$157,354/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,250,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,515
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$83,020
−HK$2,544/mo
Today · 4.125%
HK$85,564
baseline
▲ 0.50% · 4.625%
HK$90,771
+HK$5,207/mo
Deposit HK$11.77M · loan HK$17.65M · min. income ≈ HK$171,128/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,250,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,573
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$91,975
−HK$2,437/mo
Today · 4.125%
HK$94,412
baseline
▲ 0.50% · 4.625%
HK$99,388
+HK$4,976/mo
Deposit HK$11.77M · loan HK$17.65M · min. income ≈ HK$188,824/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,250,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,935
−HK$5,890/mo
▼ 0.25% · 3.875%
HK$96,857
−HK$2,968/mo
Today · 4.125%
HK$99,825
baseline
▲ 0.50% · 4.625%
HK$105,899
+HK$6,074/mo
Deposit HK$8.83M · loan HK$20.60M · min. income ≈ HK$199,650/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,250,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,501
−HK$5,646/mo
▼ 0.25% · 3.875%
HK$107,304
−HK$2,843/mo
Today · 4.125%
HK$110,147
baseline
▲ 0.50% · 4.625%
HK$115,953
+HK$5,806/mo
Deposit HK$8.83M · loan HK$20.60M · min. income ≈ HK$220,294/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,250,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,773
−HK$7,574/mo
▼ 0.25% · 3.875%
HK$124,530
−HK$3,817/mo
Today · 4.125%
HK$128,347
baseline
▲ 0.50% · 4.625%
HK$136,156
+HK$7,809/mo
Deposit HK$2.94M · loan HK$26.48M · min. income ≈ HK$256,694/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,359
−HK$7,259/mo
▼ 0.25% · 3.875%
HK$137,962
−HK$3,656/mo
Today · 4.125%
HK$141,618
baseline
▲ 0.50% · 4.625%
HK$149,083
+HK$7,465/mo
Deposit HK$2.94M · loan HK$26.48M · min. income ≈ HK$283,236/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,556 · Scale 2, in force from 26 Feb 2026)