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$67,063
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$69,149
−HK$2,120/mo
Today · 4.125%
HK$71,269
baseline
▲ 0.50% · 4.625%
HK$75,605
+HK$4,336/mo
Deposit HK$14.71M · loan HK$14.71M · min. income ≈ HK$142,538/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,249,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,607
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$76,608
−HK$2,030/mo
Today · 4.125%
HK$78,638
baseline
▲ 0.50% · 4.625%
HK$82,783
+HK$4,145/mo
Deposit HK$14.71M · loan HK$14.71M · min. income ≈ HK$157,276/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,249,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,476
−HK$5,046/mo
▼ 0.25% · 3.875%
HK$82,979
−HK$2,543/mo
Today · 4.125%
HK$85,522
baseline
▲ 0.50% · 4.625%
HK$90,726
+HK$5,204/mo
Deposit HK$11.76M · loan HK$17.65M · min. income ≈ HK$171,044/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,249,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,528
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$91,929
−HK$2,436/mo
Today · 4.125%
HK$94,365
baseline
▲ 0.50% · 4.625%
HK$99,339
+HK$4,974/mo
Deposit HK$11.76M · loan HK$17.65M · min. income ≈ HK$188,730/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,249,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,888
−HK$5,888/mo
▼ 0.25% · 3.875%
HK$96,809
−HK$2,967/mo
Today · 4.125%
HK$99,776
baseline
▲ 0.50% · 4.625%
HK$105,847
+HK$6,071/mo
Deposit HK$8.82M · loan HK$20.59M · min. income ≈ HK$199,552/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$1,249,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,450
−HK$5,643/mo
▼ 0.25% · 3.875%
HK$107,251
−HK$2,842/mo
Today · 4.125%
HK$110,093
baseline
▲ 0.50% · 4.625%
HK$115,896
+HK$5,803/mo
Deposit HK$8.82M · loan HK$20.59M · min. income ≈ HK$220,186/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$1,249,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,714
−HK$7,569/mo
▼ 0.25% · 3.875%
HK$124,468
−HK$3,815/mo
Today · 4.125%
HK$128,283
baseline
▲ 0.50% · 4.625%
HK$136,089
+HK$7,806/mo
Deposit HK$2.94M · loan HK$26.47M · min. income ≈ HK$256,566/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,249,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,293
−HK$7,255/mo
▼ 0.25% · 3.875%
HK$137,894
−HK$3,654/mo
Today · 4.125%
HK$141,548
baseline
▲ 0.50% · 4.625%
HK$149,009
+HK$7,461/mo
Deposit HK$2.94M · loan HK$26.47M · min. income ≈ HK$283,096/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,249,939 · Scale 2, in force from 26 Feb 2026)