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$67,078
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$69,165
−HK$2,120/mo
Today · 4.125%
HK$71,285
baseline
▲ 0.50% · 4.625%
HK$75,622
+HK$4,337/mo
Deposit HK$14.71M · loan HK$14.71M · min. income ≈ HK$142,570/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,250,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,624
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$76,625
−HK$2,031/mo
Today · 4.125%
HK$78,656
baseline
▲ 0.50% · 4.625%
HK$82,802
+HK$4,146/mo
Deposit HK$14.71M · loan HK$14.71M · min. income ≈ HK$157,312/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,250,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,494
−HK$5,048/mo
▼ 0.25% · 3.875%
HK$82,998
−HK$2,544/mo
Today · 4.125%
HK$85,542
baseline
▲ 0.50% · 4.625%
HK$90,747
+HK$5,205/mo
Deposit HK$11.77M · loan HK$17.65M · min. income ≈ HK$171,084/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,250,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,549
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$91,951
−HK$2,436/mo
Today · 4.125%
HK$94,387
baseline
▲ 0.50% · 4.625%
HK$99,362
+HK$4,975/mo
Deposit HK$11.77M · loan HK$17.65M · min. income ≈ HK$188,774/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,250,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,910
−HK$5,889/mo
▼ 0.25% · 3.875%
HK$96,831
−HK$2,968/mo
Today · 4.125%
HK$99,799
baseline
▲ 0.50% · 4.625%
HK$105,871
+HK$6,072/mo
Deposit HK$8.83M · loan HK$20.59M · min. income ≈ HK$199,598/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,250,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,474
−HK$5,644/mo
▼ 0.25% · 3.875%
HK$107,276
−HK$2,842/mo
Today · 4.125%
HK$110,118
baseline
▲ 0.50% · 4.625%
HK$115,923
+HK$5,805/mo
Deposit HK$8.83M · loan HK$20.59M · min. income ≈ HK$220,236/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,250,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,741
−HK$7,572/mo
▼ 0.25% · 3.875%
HK$124,497
−HK$3,816/mo
Today · 4.125%
HK$128,313
baseline
▲ 0.50% · 4.625%
HK$136,120
+HK$7,807/mo
Deposit HK$2.94M · loan HK$26.48M · min. income ≈ HK$256,626/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,323
−HK$7,257/mo
▼ 0.25% · 3.875%
HK$137,926
−HK$3,654/mo
Today · 4.125%
HK$141,580
baseline
▲ 0.50% · 4.625%
HK$149,043
+HK$7,463/mo
Deposit HK$2.94M · loan HK$26.48M · min. income ≈ HK$283,160/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,226 · Scale 2, in force from 26 Feb 2026)