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$67,071
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$69,157
−HK$2,120/mo
Today · 4.125%
HK$71,277
baseline
▲ 0.50% · 4.625%
HK$75,614
+HK$4,337/mo
Deposit HK$14.71M · loan HK$14.71M · min. income ≈ HK$142,554/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,250,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,616
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$76,617
−HK$2,030/mo
Today · 4.125%
HK$78,647
baseline
▲ 0.50% · 4.625%
HK$82,793
+HK$4,146/mo
Deposit HK$14.71M · loan HK$14.71M · min. income ≈ HK$157,294/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,250,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,485
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$82,989
−HK$2,543/mo
Today · 4.125%
HK$85,532
baseline
▲ 0.50% · 4.625%
HK$90,737
+HK$5,205/mo
Deposit HK$11.77M · loan HK$17.65M · min. income ≈ HK$171,064/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,250,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,539
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$91,940
−HK$2,437/mo
Today · 4.125%
HK$94,377
baseline
▲ 0.50% · 4.625%
HK$99,351
+HK$4,974/mo
Deposit HK$11.77M · loan HK$17.65M · min. income ≈ HK$188,754/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,250,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,899
−HK$5,889/mo
▼ 0.25% · 3.875%
HK$96,820
−HK$2,968/mo
Today · 4.125%
HK$99,788
baseline
▲ 0.50% · 4.625%
HK$105,860
+HK$6,072/mo
Deposit HK$8.82M · loan HK$20.59M · min. income ≈ HK$199,576/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$1,250,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,462
−HK$5,644/mo
▼ 0.25% · 3.875%
HK$107,264
−HK$2,842/mo
Today · 4.125%
HK$110,106
baseline
▲ 0.50% · 4.625%
HK$115,910
+HK$5,804/mo
Deposit HK$8.82M · loan HK$20.59M · min. income ≈ HK$220,212/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$1,250,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,728
−HK$7,571/mo
▼ 0.25% · 3.875%
HK$124,483
−HK$3,816/mo
Today · 4.125%
HK$128,299
baseline
▲ 0.50% · 4.625%
HK$136,105
+HK$7,806/mo
Deposit HK$2.94M · loan HK$26.47M · min. income ≈ HK$256,598/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,309
−HK$7,256/mo
▼ 0.25% · 3.875%
HK$137,911
−HK$3,654/mo
Today · 4.125%
HK$141,565
baseline
▲ 0.50% · 4.625%
HK$149,027
+HK$7,462/mo
Deposit HK$2.94M · loan HK$26.47M · min. income ≈ HK$283,130/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,088 · Scale 2, in force from 26 Feb 2026)