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$67,606
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$69,709
−HK$2,137/mo
Today · 4.125%
HK$71,846
baseline
▲ 0.50% · 4.625%
HK$76,217
+HK$4,371/mo
Deposit HK$14.82M · loan HK$14.82M · min. income ≈ HK$143,692/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,260,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,211
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$77,228
−HK$2,047/mo
Today · 4.125%
HK$79,275
baseline
▲ 0.50% · 4.625%
HK$83,453
+HK$4,178/mo
Deposit HK$14.82M · loan HK$14.82M · min. income ≈ HK$158,550/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,260,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,128
−HK$5,087/mo
▼ 0.25% · 3.875%
HK$83,651
−HK$2,564/mo
Today · 4.125%
HK$86,215
baseline
▲ 0.50% · 4.625%
HK$91,461
+HK$5,246/mo
Deposit HK$11.86M · loan HK$17.79M · min. income ≈ HK$172,430/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,260,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,254
−HK$4,876/mo
▼ 0.25% · 3.875%
HK$92,674
−HK$2,456/mo
Today · 4.125%
HK$95,130
baseline
▲ 0.50% · 4.625%
HK$100,144
+HK$5,014/mo
Deposit HK$11.86M · loan HK$17.79M · min. income ≈ HK$190,260/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,260,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,649
−HK$5,935/mo
▼ 0.25% · 3.875%
HK$97,593
−HK$2,991/mo
Today · 4.125%
HK$100,584
baseline
▲ 0.50% · 4.625%
HK$106,704
+HK$6,120/mo
Deposit HK$8.89M · loan HK$20.75M · min. income ≈ HK$201,168/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,260,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,296
−HK$5,689/mo
▼ 0.25% · 3.875%
HK$108,120
−HK$2,865/mo
Today · 4.125%
HK$110,985
baseline
▲ 0.50% · 4.625%
HK$116,835
+HK$5,850/mo
Deposit HK$8.89M · loan HK$20.75M · min. income ≈ HK$221,970/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,260,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,691
−HK$7,631/mo
▼ 0.25% · 3.875%
HK$125,477
−HK$3,845/mo
Today · 4.125%
HK$129,322
baseline
▲ 0.50% · 4.625%
HK$137,191
+HK$7,869/mo
Deposit HK$2.96M · loan HK$26.68M · min. income ≈ HK$258,644/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,260,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,380
−HK$7,315/mo
▼ 0.25% · 3.875%
HK$139,011
−HK$3,684/mo
Today · 4.125%
HK$142,695
baseline
▲ 0.50% · 4.625%
HK$150,216
+HK$7,521/mo
Deposit HK$2.96M · loan HK$26.68M · min. income ≈ HK$285,390/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,260,064 · Scale 2, in force from 26 Feb 2026)