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$67,380
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$69,476
−HK$2,129/mo
Today · 4.125%
HK$71,605
baseline
▲ 0.50% · 4.625%
HK$75,962
+HK$4,357/mo
Deposit HK$14.77M · loan HK$14.77M · min. income ≈ HK$143,210/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,255,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,960
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$76,970
−HK$2,039/mo
Today · 4.125%
HK$79,009
baseline
▲ 0.50% · 4.625%
HK$83,174
+HK$4,165/mo
Deposit HK$14.77M · loan HK$14.77M · min. income ≈ HK$158,018/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,255,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,856
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$83,371
−HK$2,555/mo
Today · 4.125%
HK$85,926
baseline
▲ 0.50% · 4.625%
HK$91,155
+HK$5,229/mo
Deposit HK$11.82M · loan HK$17.73M · min. income ≈ HK$171,852/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,255,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,951
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$92,364
−HK$2,447/mo
Today · 4.125%
HK$94,811
baseline
▲ 0.50% · 4.625%
HK$99,809
+HK$4,998/mo
Deposit HK$11.82M · loan HK$17.73M · min. income ≈ HK$189,622/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,255,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,332
−HK$5,915/mo
▼ 0.25% · 3.875%
HK$97,266
−HK$2,981/mo
Today · 4.125%
HK$100,247
baseline
▲ 0.50% · 4.625%
HK$106,347
+HK$6,100/mo
Deposit HK$8.86M · loan HK$20.68M · min. income ≈ HK$200,494/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$1,255,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,943
−HK$5,670/mo
▼ 0.25% · 3.875%
HK$107,758
−HK$2,855/mo
Today · 4.125%
HK$110,613
baseline
▲ 0.50% · 4.625%
HK$116,444
+HK$5,831/mo
Deposit HK$8.86M · loan HK$20.68M · min. income ≈ HK$221,226/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$1,255,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,284
−HK$7,605/mo
▼ 0.25% · 3.875%
HK$125,057
−HK$3,832/mo
Today · 4.125%
HK$128,889
baseline
▲ 0.50% · 4.625%
HK$136,732
+HK$7,843/mo
Deposit HK$2.95M · loan HK$26.59M · min. income ≈ HK$257,778/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,255,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,927
−HK$7,290/mo
▼ 0.25% · 3.875%
HK$138,546
−HK$3,671/mo
Today · 4.125%
HK$142,217
baseline
▲ 0.50% · 4.625%
HK$149,713
+HK$7,496/mo
Deposit HK$2.95M · loan HK$26.59M · min. income ≈ HK$284,434/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,255,845 · Scale 2, in force from 26 Feb 2026)