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$67,804
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$69,913
−HK$2,142/mo
Today · 4.125%
HK$72,055
baseline
▲ 0.50% · 4.625%
HK$76,440
+HK$4,385/mo
Deposit HK$14.87M · loan HK$14.87M · min. income ≈ HK$144,110/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,263,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,431
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$77,454
−HK$2,052/mo
Today · 4.125%
HK$79,506
baseline
▲ 0.50% · 4.625%
HK$83,697
+HK$4,191/mo
Deposit HK$14.87M · loan HK$14.87M · min. income ≈ HK$159,012/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,263,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,364
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$83,895
−HK$2,572/mo
Today · 4.125%
HK$86,467
baseline
▲ 0.50% · 4.625%
HK$91,728
+HK$5,261/mo
Deposit HK$11.89M · loan HK$17.84M · min. income ≈ HK$172,934/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,263,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,517
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$92,945
−HK$2,462/mo
Today · 4.125%
HK$95,407
baseline
▲ 0.50% · 4.625%
HK$100,436
+HK$5,029/mo
Deposit HK$11.89M · loan HK$17.84M · min. income ≈ HK$190,814/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,263,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,925
−HK$5,953/mo
▼ 0.25% · 3.875%
HK$97,878
−HK$3,000/mo
Today · 4.125%
HK$100,878
baseline
▲ 0.50% · 4.625%
HK$107,016
+HK$6,138/mo
Deposit HK$8.92M · loan HK$20.81M · min. income ≈ HK$201,756/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,263,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,603
−HK$5,706/mo
▼ 0.25% · 3.875%
HK$108,435
−HK$2,874/mo
Today · 4.125%
HK$111,309
baseline
▲ 0.50% · 4.625%
HK$117,176
+HK$5,867/mo
Deposit HK$8.92M · loan HK$20.81M · min. income ≈ HK$222,618/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,263,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,046
−HK$7,654/mo
▼ 0.25% · 3.875%
HK$125,843
−HK$3,857/mo
Today · 4.125%
HK$129,700
baseline
▲ 0.50% · 4.625%
HK$137,592
+HK$7,892/mo
Deposit HK$2.97M · loan HK$26.76M · min. income ≈ HK$259,400/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,263,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,776
−HK$7,335/mo
▼ 0.25% · 3.875%
HK$139,417
−HK$3,694/mo
Today · 4.125%
HK$143,111
baseline
▲ 0.50% · 4.625%
HK$150,655
+HK$7,544/mo
Deposit HK$2.97M · loan HK$26.76M · min. income ≈ HK$286,222/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,263,741 · Scale 2, in force from 26 Feb 2026)