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$67,460
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$69,558
−HK$2,132/mo
Today · 4.125%
HK$71,690
baseline
▲ 0.50% · 4.625%
HK$76,052
+HK$4,362/mo
Deposit HK$14.79M · loan HK$14.79M · min. income ≈ HK$143,380/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,257,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,048
−HK$4,055/mo
▼ 0.25% · 3.875%
HK$77,061
−HK$2,042/mo
Today · 4.125%
HK$79,103
baseline
▲ 0.50% · 4.625%
HK$83,273
+HK$4,170/mo
Deposit HK$14.79M · loan HK$14.79M · min. income ≈ HK$158,206/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,257,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,952
−HK$5,076/mo
▼ 0.25% · 3.875%
HK$83,470
−HK$2,558/mo
Today · 4.125%
HK$86,028
baseline
▲ 0.50% · 4.625%
HK$91,263
+HK$5,235/mo
Deposit HK$11.83M · loan HK$17.75M · min. income ≈ HK$172,056/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,257,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,058
−HK$4,866/mo
▼ 0.25% · 3.875%
HK$92,473
−HK$2,451/mo
Today · 4.125%
HK$94,924
baseline
▲ 0.50% · 4.625%
HK$99,927
+HK$5,003/mo
Deposit HK$11.83M · loan HK$17.75M · min. income ≈ HK$189,848/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,257,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,444
−HK$5,922/mo
▼ 0.25% · 3.875%
HK$97,382
−HK$2,984/mo
Today · 4.125%
HK$100,366
baseline
▲ 0.50% · 4.625%
HK$106,473
+HK$6,107/mo
Deposit HK$8.88M · loan HK$20.71M · min. income ≈ HK$200,732/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,257,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,068
−HK$5,676/mo
▼ 0.25% · 3.875%
HK$107,886
−HK$2,858/mo
Today · 4.125%
HK$110,744
baseline
▲ 0.50% · 4.625%
HK$116,582
+HK$5,838/mo
Deposit HK$8.88M · loan HK$20.71M · min. income ≈ HK$221,488/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,257,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,428
−HK$7,614/mo
▼ 0.25% · 3.875%
HK$125,205
−HK$3,837/mo
Today · 4.125%
HK$129,042
baseline
▲ 0.50% · 4.625%
HK$136,894
+HK$7,852/mo
Deposit HK$2.96M · loan HK$26.63M · min. income ≈ HK$258,084/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,257,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,087
−HK$7,298/mo
▼ 0.25% · 3.875%
HK$138,710
−HK$3,675/mo
Today · 4.125%
HK$142,385
baseline
▲ 0.50% · 4.625%
HK$149,891
+HK$7,506/mo
Deposit HK$2.96M · loan HK$26.63M · min. income ≈ HK$284,770/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,257,335 · Scale 2, in force from 26 Feb 2026)