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$67,792
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$69,901
−HK$2,143/mo
Today · 4.125%
HK$72,044
baseline
▲ 0.50% · 4.625%
HK$76,427
+HK$4,383/mo
Deposit HK$14.87M · loan HK$14.87M · min. income ≈ HK$144,088/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,263,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,418
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$77,441
−HK$2,052/mo
Today · 4.125%
HK$79,493
baseline
▲ 0.50% · 4.625%
HK$83,683
+HK$4,190/mo
Deposit HK$14.87M · loan HK$14.87M · min. income ≈ HK$158,986/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,263,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,351
−HK$5,101/mo
▼ 0.25% · 3.875%
HK$83,881
−HK$2,571/mo
Today · 4.125%
HK$86,452
baseline
▲ 0.50% · 4.625%
HK$91,713
+HK$5,261/mo
Deposit HK$11.89M · loan HK$17.84M · min. income ≈ HK$172,904/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,263,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,502
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$92,929
−HK$2,463/mo
Today · 4.125%
HK$95,392
baseline
▲ 0.50% · 4.625%
HK$100,420
+HK$5,028/mo
Deposit HK$11.89M · loan HK$17.84M · min. income ≈ HK$190,784/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,263,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,909
−HK$5,952/mo
▼ 0.25% · 3.875%
HK$97,862
−HK$2,999/mo
Today · 4.125%
HK$100,861
baseline
▲ 0.50% · 4.625%
HK$106,998
+HK$6,137/mo
Deposit HK$8.92M · loan HK$20.81M · min. income ≈ HK$201,722/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,263,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,586
−HK$5,704/mo
▼ 0.25% · 3.875%
HK$108,418
−HK$2,872/mo
Today · 4.125%
HK$111,290
baseline
▲ 0.50% · 4.625%
HK$117,157
+HK$5,867/mo
Deposit HK$8.92M · loan HK$20.81M · min. income ≈ HK$222,580/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,263,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,026
−HK$7,653/mo
▼ 0.25% · 3.875%
HK$125,822
−HK$3,857/mo
Today · 4.125%
HK$129,679
baseline
▲ 0.50% · 4.625%
HK$137,569
+HK$7,890/mo
Deposit HK$2.97M · loan HK$26.76M · min. income ≈ HK$259,358/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,263,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,753
−HK$7,335/mo
▼ 0.25% · 3.875%
HK$139,394
−HK$3,694/mo
Today · 4.125%
HK$143,088
baseline
▲ 0.50% · 4.625%
HK$150,630
+HK$7,542/mo
Deposit HK$2.97M · loan HK$26.76M · min. income ≈ HK$286,176/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,263,534 · Scale 2, in force from 26 Feb 2026)