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$67,830
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$69,940
−HK$2,143/mo
Today · 4.125%
HK$72,083
baseline
▲ 0.50% · 4.625%
HK$76,469
+HK$4,386/mo
Deposit HK$14.87M · loan HK$14.87M · min. income ≈ HK$144,166/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,264,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,460
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$77,484
−HK$2,053/mo
Today · 4.125%
HK$79,537
baseline
▲ 0.50% · 4.625%
HK$83,729
+HK$4,192/mo
Deposit HK$14.87M · loan HK$14.87M · min. income ≈ HK$159,074/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,264,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,396
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$83,928
−HK$2,572/mo
Today · 4.125%
HK$86,500
baseline
▲ 0.50% · 4.625%
HK$91,763
+HK$5,263/mo
Deposit HK$11.90M · loan HK$17.85M · min. income ≈ HK$173,000/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,264,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,552
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$92,980
−HK$2,464/mo
Today · 4.125%
HK$95,444
baseline
▲ 0.50% · 4.625%
HK$100,475
+HK$5,031/mo
Deposit HK$11.90M · loan HK$17.85M · min. income ≈ HK$190,888/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,264,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,962
−HK$5,955/mo
▼ 0.25% · 3.875%
HK$97,916
−HK$3,001/mo
Today · 4.125%
HK$100,917
baseline
▲ 0.50% · 4.625%
HK$107,057
+HK$6,140/mo
Deposit HK$8.92M · loan HK$20.82M · min. income ≈ HK$201,834/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,264,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,644
−HK$5,708/mo
▼ 0.25% · 3.875%
HK$108,477
−HK$2,875/mo
Today · 4.125%
HK$111,352
baseline
▲ 0.50% · 4.625%
HK$117,221
+HK$5,869/mo
Deposit HK$8.92M · loan HK$20.82M · min. income ≈ HK$222,704/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,264,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,094
−HK$7,656/mo
▼ 0.25% · 3.875%
HK$125,891
−HK$3,859/mo
Today · 4.125%
HK$129,750
baseline
▲ 0.50% · 4.625%
HK$137,645
+HK$7,895/mo
Deposit HK$2.97M · loan HK$26.77M · min. income ≈ HK$259,500/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,264,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,828
−HK$7,338/mo
▼ 0.25% · 3.875%
HK$139,471
−HK$3,695/mo
Today · 4.125%
HK$143,166
baseline
▲ 0.50% · 4.625%
HK$150,713
+HK$7,547/mo
Deposit HK$2.97M · loan HK$26.77M · min. income ≈ HK$286,332/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,264,229 · Scale 2, in force from 26 Feb 2026)