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$67,399
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$69,496
−HK$2,130/mo
Today · 4.125%
HK$71,626
baseline
▲ 0.50% · 4.625%
HK$75,984
+HK$4,358/mo
Deposit HK$14.78M · loan HK$14.78M · min. income ≈ HK$143,252/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,256,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,981
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$76,992
−HK$2,040/mo
Today · 4.125%
HK$79,032
baseline
▲ 0.50% · 4.625%
HK$83,198
+HK$4,166/mo
Deposit HK$14.78M · loan HK$14.78M · min. income ≈ HK$158,064/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,256,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,879
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$83,395
−HK$2,556/mo
Today · 4.125%
HK$85,951
baseline
▲ 0.50% · 4.625%
HK$91,181
+HK$5,230/mo
Deposit HK$11.82M · loan HK$17.73M · min. income ≈ HK$171,902/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,256,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,977
−HK$4,861/mo
▼ 0.25% · 3.875%
HK$92,390
−HK$2,448/mo
Today · 4.125%
HK$94,838
baseline
▲ 0.50% · 4.625%
HK$99,838
+HK$5,000/mo
Deposit HK$11.82M · loan HK$17.73M · min. income ≈ HK$189,676/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,256,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,359
−HK$5,917/mo
▼ 0.25% · 3.875%
HK$97,294
−HK$2,982/mo
Today · 4.125%
HK$100,276
baseline
▲ 0.50% · 4.625%
HK$106,378
+HK$6,102/mo
Deposit HK$8.87M · loan HK$20.69M · min. income ≈ HK$200,552/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$1,256,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,974
−HK$5,671/mo
▼ 0.25% · 3.875%
HK$107,789
−HK$2,856/mo
Today · 4.125%
HK$110,645
baseline
▲ 0.50% · 4.625%
HK$116,477
+HK$5,832/mo
Deposit HK$8.87M · loan HK$20.69M · min. income ≈ HK$221,290/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$1,256,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,319
−HK$7,608/mo
▼ 0.25% · 3.875%
HK$125,093
−HK$3,834/mo
Today · 4.125%
HK$128,927
baseline
▲ 0.50% · 4.625%
HK$136,771
+HK$7,844/mo
Deposit HK$2.96M · loan HK$26.60M · min. income ≈ HK$257,854/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,256,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,966
−HK$7,292/mo
▼ 0.25% · 3.875%
HK$138,586
−HK$3,672/mo
Today · 4.125%
HK$142,258
baseline
▲ 0.50% · 4.625%
HK$149,756
+HK$7,498/mo
Deposit HK$2.96M · loan HK$26.60M · min. income ≈ HK$284,516/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,256,206 · Scale 2, in force from 26 Feb 2026)