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$67,065
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$69,151
−HK$2,119/mo
Today · 4.125%
HK$71,270
baseline
▲ 0.50% · 4.625%
HK$75,607
+HK$4,337/mo
Deposit HK$14.71M · loan HK$14.71M · min. income ≈ HK$142,540/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,249,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,609
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$76,610
−HK$2,030/mo
Today · 4.125%
HK$78,640
baseline
▲ 0.50% · 4.625%
HK$82,785
+HK$4,145/mo
Deposit HK$14.71M · loan HK$14.71M · min. income ≈ HK$157,280/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,249,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,477
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$82,981
−HK$2,543/mo
Today · 4.125%
HK$85,524
baseline
▲ 0.50% · 4.625%
HK$90,728
+HK$5,204/mo
Deposit HK$11.76M · loan HK$17.65M · min. income ≈ HK$171,048/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,249,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,530
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$91,932
−HK$2,435/mo
Today · 4.125%
HK$94,367
baseline
▲ 0.50% · 4.625%
HK$99,342
+HK$4,975/mo
Deposit HK$11.76M · loan HK$17.65M · min. income ≈ HK$188,734/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,249,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,890
−HK$5,888/mo
▼ 0.25% · 3.875%
HK$96,811
−HK$2,967/mo
Today · 4.125%
HK$99,778
baseline
▲ 0.50% · 4.625%
HK$105,849
+HK$6,071/mo
Deposit HK$8.82M · loan HK$20.59M · min. income ≈ HK$199,556/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$1,249,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,452
−HK$5,643/mo
▼ 0.25% · 3.875%
HK$107,253
−HK$2,842/mo
Today · 4.125%
HK$110,095
baseline
▲ 0.50% · 4.625%
HK$115,899
+HK$5,804/mo
Deposit HK$8.82M · loan HK$20.59M · min. income ≈ HK$220,190/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$1,249,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,716
−HK$7,570/mo
▼ 0.25% · 3.875%
HK$124,471
−HK$3,815/mo
Today · 4.125%
HK$128,286
baseline
▲ 0.50% · 4.625%
HK$136,092
+HK$7,806/mo
Deposit HK$2.94M · loan HK$26.47M · min. income ≈ HK$256,572/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,249,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,296
−HK$7,255/mo
▼ 0.25% · 3.875%
HK$137,897
−HK$3,654/mo
Today · 4.125%
HK$141,551
baseline
▲ 0.50% · 4.625%
HK$149,012
+HK$7,461/mo
Deposit HK$2.94M · loan HK$26.47M · min. income ≈ HK$283,102/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,249,967 · Scale 2, in force from 26 Feb 2026)