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$67,630
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$69,734
−HK$2,137/mo
Today · 4.125%
HK$71,871
baseline
▲ 0.50% · 4.625%
HK$76,244
+HK$4,373/mo
Deposit HK$14.83M · loan HK$14.83M · min. income ≈ HK$143,742/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,260,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,238
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$77,256
−HK$2,047/mo
Today · 4.125%
HK$79,303
baseline
▲ 0.50% · 4.625%
HK$83,483
+HK$4,180/mo
Deposit HK$14.83M · loan HK$14.83M · min. income ≈ HK$158,606/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,260,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,156
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$83,681
−HK$2,564/mo
Today · 4.125%
HK$86,245
baseline
▲ 0.50% · 4.625%
HK$91,493
+HK$5,248/mo
Deposit HK$11.86M · loan HK$17.80M · min. income ≈ HK$172,490/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,260,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,285
−HK$4,878/mo
▼ 0.25% · 3.875%
HK$92,707
−HK$2,456/mo
Today · 4.125%
HK$95,163
baseline
▲ 0.50% · 4.625%
HK$100,179
+HK$5,016/mo
Deposit HK$11.86M · loan HK$17.80M · min. income ≈ HK$190,326/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,260,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,682
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$97,627
−HK$2,993/mo
Today · 4.125%
HK$100,620
baseline
▲ 0.50% · 4.625%
HK$106,742
+HK$6,122/mo
Deposit HK$8.90M · loan HK$20.76M · min. income ≈ HK$201,240/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,260,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,333
−HK$5,691/mo
▼ 0.25% · 3.875%
HK$108,158
−HK$2,866/mo
Today · 4.125%
HK$111,024
baseline
▲ 0.50% · 4.625%
HK$116,876
+HK$5,852/mo
Deposit HK$8.90M · loan HK$20.76M · min. income ≈ HK$222,048/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,260,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,734
−HK$7,634/mo
▼ 0.25% · 3.875%
HK$125,521
−HK$3,847/mo
Today · 4.125%
HK$129,368
baseline
▲ 0.50% · 4.625%
HK$137,240
+HK$7,872/mo
Deposit HK$2.97M · loan HK$26.69M · min. income ≈ HK$258,736/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,260,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,428
−HK$7,317/mo
▼ 0.25% · 3.875%
HK$139,060
−HK$3,685/mo
Today · 4.125%
HK$142,745
baseline
▲ 0.50% · 4.625%
HK$150,269
+HK$7,524/mo
Deposit HK$2.97M · loan HK$26.69M · min. income ≈ HK$285,490/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,260,507 · Scale 2, in force from 26 Feb 2026)