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$67,797
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$69,906
−HK$2,143/mo
Today · 4.125%
HK$72,049
baseline
▲ 0.50% · 4.625%
HK$76,433
+HK$4,384/mo
Deposit HK$14.87M · loan HK$14.87M · min. income ≈ HK$144,098/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,263,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,424
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$77,447
−HK$2,052/mo
Today · 4.125%
HK$79,499
baseline
▲ 0.50% · 4.625%
HK$83,689
+HK$4,190/mo
Deposit HK$14.87M · loan HK$14.87M · min. income ≈ HK$158,998/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,263,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,357
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$83,888
−HK$2,571/mo
Today · 4.125%
HK$86,459
baseline
▲ 0.50% · 4.625%
HK$91,719
+HK$5,260/mo
Deposit HK$11.89M · loan HK$17.84M · min. income ≈ HK$172,918/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,263,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,509
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$92,936
−HK$2,463/mo
Today · 4.125%
HK$95,399
baseline
▲ 0.50% · 4.625%
HK$100,427
+HK$5,028/mo
Deposit HK$11.89M · loan HK$17.84M · min. income ≈ HK$190,798/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,263,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,916
−HK$5,952/mo
▼ 0.25% · 3.875%
HK$97,869
−HK$2,999/mo
Today · 4.125%
HK$100,868
baseline
▲ 0.50% · 4.625%
HK$107,006
+HK$6,138/mo
Deposit HK$8.92M · loan HK$20.81M · min. income ≈ HK$201,736/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,263,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,594
−HK$5,704/mo
▼ 0.25% · 3.875%
HK$108,425
−HK$2,873/mo
Today · 4.125%
HK$111,298
baseline
▲ 0.50% · 4.625%
HK$117,165
+HK$5,867/mo
Deposit HK$8.92M · loan HK$20.81M · min. income ≈ HK$222,596/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,263,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,035
−HK$7,653/mo
▼ 0.25% · 3.875%
HK$125,831
−HK$3,857/mo
Today · 4.125%
HK$129,688
baseline
▲ 0.50% · 4.625%
HK$137,579
+HK$7,891/mo
Deposit HK$2.97M · loan HK$26.76M · min. income ≈ HK$259,376/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,263,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,763
−HK$7,335/mo
▼ 0.25% · 3.875%
HK$139,404
−HK$3,694/mo
Today · 4.125%
HK$143,098
baseline
▲ 0.50% · 4.625%
HK$150,641
+HK$7,543/mo
Deposit HK$2.97M · loan HK$26.76M · min. income ≈ HK$286,196/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,263,626 · Scale 2, in force from 26 Feb 2026)