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$67,471
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$69,569
−HK$2,133/mo
Today · 4.125%
HK$71,702
baseline
▲ 0.50% · 4.625%
HK$76,065
+HK$4,363/mo
Deposit HK$14.79M · loan HK$14.79M · min. income ≈ HK$143,404/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,257,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,060
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$77,074
−HK$2,042/mo
Today · 4.125%
HK$79,116
baseline
▲ 0.50% · 4.625%
HK$83,286
+HK$4,170/mo
Deposit HK$14.79M · loan HK$14.79M · min. income ≈ HK$158,232/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,257,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,965
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$83,483
−HK$2,559/mo
Today · 4.125%
HK$86,042
baseline
▲ 0.50% · 4.625%
HK$91,277
+HK$5,235/mo
Deposit HK$11.84M · loan HK$17.75M · min. income ≈ HK$172,084/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,257,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,073
−HK$4,866/mo
▼ 0.25% · 3.875%
HK$92,488
−HK$2,451/mo
Today · 4.125%
HK$94,939
baseline
▲ 0.50% · 4.625%
HK$99,943
+HK$5,004/mo
Deposit HK$11.84M · loan HK$17.75M · min. income ≈ HK$189,878/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,257,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,459
−HK$5,923/mo
▼ 0.25% · 3.875%
HK$97,397
−HK$2,985/mo
Today · 4.125%
HK$100,382
baseline
▲ 0.50% · 4.625%
HK$106,490
+HK$6,108/mo
Deposit HK$8.88M · loan HK$20.71M · min. income ≈ HK$200,764/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,257,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,085
−HK$5,677/mo
▼ 0.25% · 3.875%
HK$107,903
−HK$2,859/mo
Today · 4.125%
HK$110,762
baseline
▲ 0.50% · 4.625%
HK$116,600
+HK$5,838/mo
Deposit HK$8.88M · loan HK$20.71M · min. income ≈ HK$221,524/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,257,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,447
−HK$7,616/mo
▼ 0.25% · 3.875%
HK$125,225
−HK$3,838/mo
Today · 4.125%
HK$129,063
baseline
▲ 0.50% · 4.625%
HK$136,916
+HK$7,853/mo
Deposit HK$2.96M · loan HK$26.63M · min. income ≈ HK$258,126/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,257,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,109
−HK$7,299/mo
▼ 0.25% · 3.875%
HK$138,732
−HK$3,676/mo
Today · 4.125%
HK$142,408
baseline
▲ 0.50% · 4.625%
HK$149,915
+HK$7,507/mo
Deposit HK$2.96M · loan HK$26.63M · min. income ≈ HK$284,816/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,257,536 · Scale 2, in force from 26 Feb 2026)