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$67,049
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$69,134
−HK$2,119/mo
Today · 4.125%
HK$71,253
baseline
▲ 0.50% · 4.625%
HK$75,589
+HK$4,336/mo
Deposit HK$14.70M · loan HK$14.70M · min. income ≈ HK$142,506/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,249,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,591
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$76,592
−HK$2,029/mo
Today · 4.125%
HK$78,621
baseline
▲ 0.50% · 4.625%
HK$82,765
+HK$4,144/mo
Deposit HK$14.70M · loan HK$14.70M · min. income ≈ HK$157,242/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,249,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,458
−HK$5,046/mo
▼ 0.25% · 3.875%
HK$82,961
−HK$2,543/mo
Today · 4.125%
HK$85,504
baseline
▲ 0.50% · 4.625%
HK$90,707
+HK$5,203/mo
Deposit HK$11.76M · loan HK$17.64M · min. income ≈ HK$171,008/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,249,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,509
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$91,910
−HK$2,435/mo
Today · 4.125%
HK$94,345
baseline
▲ 0.50% · 4.625%
HK$99,318
+HK$4,973/mo
Deposit HK$11.76M · loan HK$17.64M · min. income ≈ HK$188,690/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,249,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,868
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$96,788
−HK$2,967/mo
Today · 4.125%
HK$99,755
baseline
▲ 0.50% · 4.625%
HK$105,824
+HK$6,069/mo
Deposit HK$8.82M · loan HK$20.58M · min. income ≈ HK$199,510/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$1,249,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,427
−HK$5,642/mo
▼ 0.25% · 3.875%
HK$107,228
−HK$2,841/mo
Today · 4.125%
HK$110,069
baseline
▲ 0.50% · 4.625%
HK$115,871
+HK$5,802/mo
Deposit HK$8.82M · loan HK$20.58M · min. income ≈ HK$220,138/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$1,249,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,688
−HK$7,568/mo
▼ 0.25% · 3.875%
HK$124,442
−HK$3,814/mo
Today · 4.125%
HK$128,256
baseline
▲ 0.50% · 4.625%
HK$136,060
+HK$7,804/mo
Deposit HK$2.94M · loan HK$26.46M · min. income ≈ HK$256,512/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,249,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,264
−HK$7,254/mo
▼ 0.25% · 3.875%
HK$137,865
−HK$3,653/mo
Today · 4.125%
HK$141,518
baseline
▲ 0.50% · 4.625%
HK$148,977
+HK$7,459/mo
Deposit HK$2.94M · loan HK$26.46M · min. income ≈ HK$283,036/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,249,672 · Scale 2, in force from 26 Feb 2026)