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$67,837
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$69,947
−HK$2,144/mo
Today · 4.125%
HK$72,091
baseline
▲ 0.50% · 4.625%
HK$76,478
+HK$4,387/mo
Deposit HK$14.87M · loan HK$14.87M · min. income ≈ HK$144,182/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,264,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,468
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$77,492
−HK$2,053/mo
Today · 4.125%
HK$79,545
baseline
▲ 0.50% · 4.625%
HK$83,738
+HK$4,193/mo
Deposit HK$14.87M · loan HK$14.87M · min. income ≈ HK$159,090/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,264,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,405
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$83,937
−HK$2,572/mo
Today · 4.125%
HK$86,509
baseline
▲ 0.50% · 4.625%
HK$91,773
+HK$5,264/mo
Deposit HK$11.90M · loan HK$17.85M · min. income ≈ HK$173,018/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,264,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,562
−HK$4,893/mo
▼ 0.25% · 3.875%
HK$92,991
−HK$2,464/mo
Today · 4.125%
HK$95,455
baseline
▲ 0.50% · 4.625%
HK$100,486
+HK$5,031/mo
Deposit HK$11.90M · loan HK$17.85M · min. income ≈ HK$190,910/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,264,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,972
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$97,926
−HK$3,002/mo
Today · 4.125%
HK$100,928
baseline
▲ 0.50% · 4.625%
HK$107,069
+HK$6,141/mo
Deposit HK$8.92M · loan HK$20.82M · min. income ≈ HK$201,856/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,264,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,655
−HK$5,709/mo
▼ 0.25% · 3.875%
HK$108,489
−HK$2,875/mo
Today · 4.125%
HK$111,364
baseline
▲ 0.50% · 4.625%
HK$117,234
+HK$5,870/mo
Deposit HK$8.92M · loan HK$20.82M · min. income ≈ HK$222,728/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,264,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,107
−HK$7,657/mo
▼ 0.25% · 3.875%
HK$125,905
−HK$3,859/mo
Today · 4.125%
HK$129,764
baseline
▲ 0.50% · 4.625%
HK$137,660
+HK$7,896/mo
Deposit HK$2.97M · loan HK$26.77M · min. income ≈ HK$259,528/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,264,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,843
−HK$7,339/mo
▼ 0.25% · 3.875%
HK$139,486
−HK$3,696/mo
Today · 4.125%
HK$143,182
baseline
▲ 0.50% · 4.625%
HK$150,729
+HK$7,547/mo
Deposit HK$2.97M · loan HK$26.77M · min. income ≈ HK$286,364/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,264,367 · Scale 2, in force from 26 Feb 2026)