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$67,752
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$69,859
−HK$2,141/mo
Today · 4.125%
HK$72,000
baseline
▲ 0.50% · 4.625%
HK$76,381
+HK$4,381/mo
Deposit HK$14.86M · loan HK$14.86M · min. income ≈ HK$144,000/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,262,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,373
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$77,395
−HK$2,050/mo
Today · 4.125%
HK$79,445
baseline
▲ 0.50% · 4.625%
HK$83,633
+HK$4,188/mo
Deposit HK$14.86M · loan HK$14.86M · min. income ≈ HK$158,890/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,262,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,302
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$83,831
−HK$2,569/mo
Today · 4.125%
HK$86,400
baseline
▲ 0.50% · 4.625%
HK$91,658
+HK$5,258/mo
Deposit HK$11.88M · loan HK$17.83M · min. income ≈ HK$172,800/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,262,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,448
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$92,873
−HK$2,461/mo
Today · 4.125%
HK$95,334
baseline
▲ 0.50% · 4.625%
HK$100,360
+HK$5,026/mo
Deposit HK$11.88M · loan HK$17.83M · min. income ≈ HK$190,668/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,262,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,852
−HK$5,948/mo
▼ 0.25% · 3.875%
HK$97,803
−HK$2,997/mo
Today · 4.125%
HK$100,800
baseline
▲ 0.50% · 4.625%
HK$106,934
+HK$6,134/mo
Deposit HK$8.91M · loan HK$20.80M · min. income ≈ HK$201,600/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,262,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,522
−HK$5,701/mo
▼ 0.25% · 3.875%
HK$108,352
−HK$2,871/mo
Today · 4.125%
HK$111,223
baseline
▲ 0.50% · 4.625%
HK$117,086
+HK$5,863/mo
Deposit HK$8.91M · loan HK$20.80M · min. income ≈ HK$222,446/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,262,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,953
−HK$7,648/mo
▼ 0.25% · 3.875%
HK$125,746
−HK$3,855/mo
Today · 4.125%
HK$129,601
baseline
▲ 0.50% · 4.625%
HK$137,486
+HK$7,885/mo
Deposit HK$2.97M · loan HK$26.74M · min. income ≈ HK$259,202/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,262,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,672
−HK$7,329/mo
▼ 0.25% · 3.875%
HK$139,310
−HK$3,691/mo
Today · 4.125%
HK$143,001
baseline
▲ 0.50% · 4.625%
HK$150,539
+HK$7,538/mo
Deposit HK$2.97M · loan HK$26.74M · min. income ≈ HK$286,002/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,262,774 · Scale 2, in force from 26 Feb 2026)