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$67,047
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$69,133
−HK$2,119/mo
Today · 4.125%
HK$71,252
baseline
▲ 0.50% · 4.625%
HK$75,587
+HK$4,335/mo
Deposit HK$14.70M · loan HK$14.70M · min. income ≈ HK$142,504/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,249,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,590
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$76,590
−HK$2,029/mo
Today · 4.125%
HK$78,619
baseline
▲ 0.50% · 4.625%
HK$82,764
+HK$4,145/mo
Deposit HK$14.70M · loan HK$14.70M · min. income ≈ HK$157,238/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,249,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,457
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$82,960
−HK$2,542/mo
Today · 4.125%
HK$85,502
baseline
▲ 0.50% · 4.625%
HK$90,705
+HK$5,203/mo
Deposit HK$11.76M · loan HK$17.64M · min. income ≈ HK$171,004/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,249,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,507
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$91,908
−HK$2,435/mo
Today · 4.125%
HK$94,343
baseline
▲ 0.50% · 4.625%
HK$99,316
+HK$4,973/mo
Deposit HK$11.76M · loan HK$17.64M · min. income ≈ HK$188,686/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,249,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,866
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$96,786
−HK$2,967/mo
Today · 4.125%
HK$99,753
baseline
▲ 0.50% · 4.625%
HK$105,822
+HK$6,069/mo
Deposit HK$8.82M · loan HK$20.58M · min. income ≈ HK$199,506/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$1,249,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,425
−HK$5,642/mo
▼ 0.25% · 3.875%
HK$107,226
−HK$2,841/mo
Today · 4.125%
HK$110,067
baseline
▲ 0.50% · 4.625%
HK$115,869
+HK$5,802/mo
Deposit HK$8.82M · loan HK$20.58M · min. income ≈ HK$220,134/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$1,249,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,685
−HK$7,568/mo
▼ 0.25% · 3.875%
HK$124,439
−HK$3,814/mo
Today · 4.125%
HK$128,253
baseline
▲ 0.50% · 4.625%
HK$136,057
+HK$7,804/mo
Deposit HK$2.94M · loan HK$26.46M · min. income ≈ HK$256,506/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,249,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,261
−HK$7,254/mo
▼ 0.25% · 3.875%
HK$137,862
−HK$3,653/mo
Today · 4.125%
HK$141,515
baseline
▲ 0.50% · 4.625%
HK$148,974
+HK$7,459/mo
Deposit HK$2.94M · loan HK$26.46M · min. income ≈ HK$283,030/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,249,647 · Scale 2, in force from 26 Feb 2026)