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$67,621
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$69,724
−HK$2,137/mo
Today · 4.125%
HK$71,861
baseline
▲ 0.50% · 4.625%
HK$76,234
+HK$4,373/mo
Deposit HK$14.83M · loan HK$14.83M · min. income ≈ HK$143,722/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,260,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,227
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$77,245
−HK$2,047/mo
Today · 4.125%
HK$79,292
baseline
▲ 0.50% · 4.625%
HK$83,471
+HK$4,179/mo
Deposit HK$14.83M · loan HK$14.83M · min. income ≈ HK$158,584/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,260,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,145
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$83,669
−HK$2,565/mo
Today · 4.125%
HK$86,234
baseline
▲ 0.50% · 4.625%
HK$91,481
+HK$5,247/mo
Deposit HK$11.86M · loan HK$17.79M · min. income ≈ HK$172,468/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,260,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,273
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$92,694
−HK$2,456/mo
Today · 4.125%
HK$95,150
baseline
▲ 0.50% · 4.625%
HK$100,166
+HK$5,016/mo
Deposit HK$11.86M · loan HK$17.79M · min. income ≈ HK$190,300/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,260,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,669
−HK$5,937/mo
▼ 0.25% · 3.875%
HK$97,614
−HK$2,992/mo
Today · 4.125%
HK$100,606
baseline
▲ 0.50% · 4.625%
HK$106,727
+HK$6,121/mo
Deposit HK$8.90M · loan HK$20.76M · min. income ≈ HK$201,212/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,260,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,318
−HK$5,691/mo
▼ 0.25% · 3.875%
HK$108,143
−HK$2,866/mo
Today · 4.125%
HK$111,009
baseline
▲ 0.50% · 4.625%
HK$116,860
+HK$5,851/mo
Deposit HK$8.90M · loan HK$20.76M · min. income ≈ HK$222,018/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,260,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,718
−HK$7,632/mo
▼ 0.25% · 3.875%
HK$125,504
−HK$3,846/mo
Today · 4.125%
HK$129,350
baseline
▲ 0.50% · 4.625%
HK$137,221
+HK$7,871/mo
Deposit HK$2.97M · loan HK$26.69M · min. income ≈ HK$258,700/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,260,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,409
−HK$7,316/mo
▼ 0.25% · 3.875%
HK$139,041
−HK$3,684/mo
Today · 4.125%
HK$142,725
baseline
▲ 0.50% · 4.625%
HK$150,249
+HK$7,524/mo
Deposit HK$2.97M · loan HK$26.69M · min. income ≈ HK$285,450/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,260,335 · Scale 2, in force from 26 Feb 2026)