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$67,346
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$69,441
−HK$2,129/mo
Today · 4.125%
HK$71,570
baseline
▲ 0.50% · 4.625%
HK$75,925
+HK$4,355/mo
Deposit HK$14.77M · loan HK$14.77M · min. income ≈ HK$143,140/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,255,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,922
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$76,932
−HK$2,038/mo
Today · 4.125%
HK$78,970
baseline
▲ 0.50% · 4.625%
HK$83,133
+HK$4,163/mo
Deposit HK$14.77M · loan HK$14.77M · min. income ≈ HK$157,940/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,255,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,816
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$83,330
−HK$2,554/mo
Today · 4.125%
HK$85,884
baseline
▲ 0.50% · 4.625%
HK$91,109
+HK$5,225/mo
Deposit HK$11.81M · loan HK$17.72M · min. income ≈ HK$171,768/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,255,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,907
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$92,318
−HK$2,446/mo
Today · 4.125%
HK$94,764
baseline
▲ 0.50% · 4.625%
HK$99,759
+HK$4,995/mo
Deposit HK$11.81M · loan HK$17.72M · min. income ≈ HK$189,528/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,255,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,285
−HK$5,913/mo
▼ 0.25% · 3.875%
HK$97,218
−HK$2,980/mo
Today · 4.125%
HK$100,198
baseline
▲ 0.50% · 4.625%
HK$106,294
+HK$6,096/mo
Deposit HK$8.86M · loan HK$20.67M · min. income ≈ HK$200,396/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$1,255,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,891
−HK$5,667/mo
▼ 0.25% · 3.875%
HK$107,704
−HK$2,854/mo
Today · 4.125%
HK$110,558
baseline
▲ 0.50% · 4.625%
HK$116,386
+HK$5,828/mo
Deposit HK$8.86M · loan HK$20.67M · min. income ≈ HK$221,116/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$1,255,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,224
−HK$7,601/mo
▼ 0.25% · 3.875%
HK$124,994
−HK$3,831/mo
Today · 4.125%
HK$128,825
baseline
▲ 0.50% · 4.625%
HK$136,664
+HK$7,839/mo
Deposit HK$2.95M · loan HK$26.58M · min. income ≈ HK$257,650/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,255,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,860
−HK$7,286/mo
▼ 0.25% · 3.875%
HK$138,477
−HK$3,669/mo
Today · 4.125%
HK$142,146
baseline
▲ 0.50% · 4.625%
HK$149,639
+HK$7,493/mo
Deposit HK$2.95M · loan HK$26.58M · min. income ≈ HK$284,292/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,255,221 · Scale 2, in force from 26 Feb 2026)