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$67,112
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$69,200
−HK$2,121/mo
Today · 4.125%
HK$71,321
baseline
▲ 0.50% · 4.625%
HK$75,660
+HK$4,339/mo
Deposit HK$14.72M · loan HK$14.72M · min. income ≈ HK$142,642/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,250,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,662
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$76,664
−HK$2,031/mo
Today · 4.125%
HK$78,695
baseline
▲ 0.50% · 4.625%
HK$82,843
+HK$4,148/mo
Deposit HK$14.72M · loan HK$14.72M · min. income ≈ HK$157,390/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,250,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,535
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$83,040
−HK$2,545/mo
Today · 4.125%
HK$85,585
baseline
▲ 0.50% · 4.625%
HK$90,792
+HK$5,207/mo
Deposit HK$11.77M · loan HK$17.66M · min. income ≈ HK$171,170/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,250,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,594
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$91,997
−HK$2,437/mo
Today · 4.125%
HK$94,434
baseline
▲ 0.50% · 4.625%
HK$99,412
+HK$4,978/mo
Deposit HK$11.77M · loan HK$17.66M · min. income ≈ HK$188,868/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,250,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,957
−HK$5,892/mo
▼ 0.25% · 3.875%
HK$96,880
−HK$2,969/mo
Today · 4.125%
HK$99,849
baseline
▲ 0.50% · 4.625%
HK$105,924
+HK$6,075/mo
Deposit HK$8.83M · loan HK$20.60M · min. income ≈ HK$199,698/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,250,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,526
−HK$5,647/mo
▼ 0.25% · 3.875%
HK$107,330
−HK$2,843/mo
Today · 4.125%
HK$110,173
baseline
▲ 0.50% · 4.625%
HK$115,981
+HK$5,808/mo
Deposit HK$8.83M · loan HK$20.60M · min. income ≈ HK$220,346/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,250,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,802
−HK$7,575/mo
▼ 0.25% · 3.875%
HK$124,559
−HK$3,818/mo
Today · 4.125%
HK$128,377
baseline
▲ 0.50% · 4.625%
HK$136,189
+HK$7,812/mo
Deposit HK$2.94M · loan HK$26.49M · min. income ≈ HK$256,754/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,391
−HK$7,261/mo
▼ 0.25% · 3.875%
HK$137,995
−HK$3,657/mo
Today · 4.125%
HK$141,652
baseline
▲ 0.50% · 4.625%
HK$149,118
+HK$7,466/mo
Deposit HK$2.94M · loan HK$26.49M · min. income ≈ HK$283,304/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,853 · Scale 2, in force from 26 Feb 2026)