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$67,147
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$69,235
−HK$2,122/mo
Today · 4.125%
HK$71,357
baseline
▲ 0.50% · 4.625%
HK$75,699
+HK$4,342/mo
Deposit HK$14.72M · loan HK$14.72M · min. income ≈ HK$142,714/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,251,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,700
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$76,704
−HK$2,032/mo
Today · 4.125%
HK$78,736
baseline
▲ 0.50% · 4.625%
HK$82,886
+HK$4,150/mo
Deposit HK$14.72M · loan HK$14.72M · min. income ≈ HK$157,472/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,251,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,576
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$83,082
−HK$2,547/mo
Today · 4.125%
HK$85,629
baseline
▲ 0.50% · 4.625%
HK$90,839
+HK$5,210/mo
Deposit HK$11.78M · loan HK$17.67M · min. income ≈ HK$171,258/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,251,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,640
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$92,044
−HK$2,439/mo
Today · 4.125%
HK$94,483
baseline
▲ 0.50% · 4.625%
HK$99,463
+HK$4,980/mo
Deposit HK$11.78M · loan HK$17.67M · min. income ≈ HK$188,966/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,251,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,005
−HK$5,895/mo
▼ 0.25% · 3.875%
HK$96,930
−HK$2,970/mo
Today · 4.125%
HK$99,900
baseline
▲ 0.50% · 4.625%
HK$105,979
+HK$6,079/mo
Deposit HK$8.83M · loan HK$20.61M · min. income ≈ HK$199,800/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,251,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,580
−HK$5,650/mo
▼ 0.25% · 3.875%
HK$107,385
−HK$2,845/mo
Today · 4.125%
HK$110,230
baseline
▲ 0.50% · 4.625%
HK$116,041
+HK$5,811/mo
Deposit HK$8.83M · loan HK$20.61M · min. income ≈ HK$220,460/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,251,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,864
−HK$7,579/mo
▼ 0.25% · 3.875%
HK$124,624
−HK$3,819/mo
Today · 4.125%
HK$128,443
baseline
▲ 0.50% · 4.625%
HK$136,259
+HK$7,816/mo
Deposit HK$2.94M · loan HK$26.50M · min. income ≈ HK$256,886/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,251,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,460
−HK$7,265/mo
▼ 0.25% · 3.875%
HK$138,066
−HK$3,659/mo
Today · 4.125%
HK$141,725
baseline
▲ 0.50% · 4.625%
HK$149,195
+HK$7,470/mo
Deposit HK$2.94M · loan HK$26.50M · min. income ≈ HK$283,450/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,251,499 · Scale 2, in force from 26 Feb 2026)