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$67,082
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$69,169
−HK$2,120/mo
Today · 4.125%
HK$71,289
baseline
▲ 0.50% · 4.625%
HK$75,627
+HK$4,338/mo
Deposit HK$14.71M · loan HK$14.71M · min. income ≈ HK$142,578/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,250,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,628
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$76,630
−HK$2,030/mo
Today · 4.125%
HK$78,660
baseline
▲ 0.50% · 4.625%
HK$82,807
+HK$4,147/mo
Deposit HK$14.71M · loan HK$14.71M · min. income ≈ HK$157,320/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,250,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,499
−HK$5,048/mo
▼ 0.25% · 3.875%
HK$83,003
−HK$2,544/mo
Today · 4.125%
HK$85,547
baseline
▲ 0.50% · 4.625%
HK$90,752
+HK$5,205/mo
Deposit HK$11.77M · loan HK$17.65M · min. income ≈ HK$171,094/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,250,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,554
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$91,956
−HK$2,436/mo
Today · 4.125%
HK$94,392
baseline
▲ 0.50% · 4.625%
HK$99,368
+HK$4,976/mo
Deposit HK$11.77M · loan HK$17.65M · min. income ≈ HK$188,784/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,250,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,915
−HK$5,889/mo
▼ 0.25% · 3.875%
HK$96,836
−HK$2,968/mo
Today · 4.125%
HK$99,804
baseline
▲ 0.50% · 4.625%
HK$105,877
+HK$6,073/mo
Deposit HK$8.83M · loan HK$20.59M · min. income ≈ HK$199,608/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,250,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,480
−HK$5,644/mo
▼ 0.25% · 3.875%
HK$107,282
−HK$2,842/mo
Today · 4.125%
HK$110,124
baseline
▲ 0.50% · 4.625%
HK$115,929
+HK$5,805/mo
Deposit HK$8.83M · loan HK$20.59M · min. income ≈ HK$220,248/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,250,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,748
−HK$7,572/mo
▼ 0.25% · 3.875%
HK$124,504
−HK$3,816/mo
Today · 4.125%
HK$128,320
baseline
▲ 0.50% · 4.625%
HK$136,128
+HK$7,808/mo
Deposit HK$2.94M · loan HK$26.48M · min. income ≈ HK$256,640/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,331
−HK$7,257/mo
▼ 0.25% · 3.875%
HK$137,934
−HK$3,654/mo
Today · 4.125%
HK$141,588
baseline
▲ 0.50% · 4.625%
HK$149,052
+HK$7,464/mo
Deposit HK$2.94M · loan HK$26.48M · min. income ≈ HK$283,176/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,296 · Scale 2, in force from 26 Feb 2026)