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$67,769
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$69,877
−HK$2,141/mo
Today · 4.125%
HK$72,018
baseline
▲ 0.50% · 4.625%
HK$76,400
+HK$4,382/mo
Deposit HK$14.86M · loan HK$14.86M · min. income ≈ HK$144,036/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,263,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,392
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$77,414
−HK$2,051/mo
Today · 4.125%
HK$79,465
baseline
▲ 0.50% · 4.625%
HK$83,654
+HK$4,189/mo
Deposit HK$14.86M · loan HK$14.86M · min. income ≈ HK$158,930/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,263,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,322
−HK$5,100/mo
▼ 0.25% · 3.875%
HK$83,852
−HK$2,570/mo
Today · 4.125%
HK$86,422
baseline
▲ 0.50% · 4.625%
HK$91,681
+HK$5,259/mo
Deposit HK$11.89M · loan HK$17.83M · min. income ≈ HK$172,844/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,263,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,470
−HK$4,888/mo
▼ 0.25% · 3.875%
HK$92,897
−HK$2,461/mo
Today · 4.125%
HK$95,358
baseline
▲ 0.50% · 4.625%
HK$100,385
+HK$5,027/mo
Deposit HK$11.89M · loan HK$17.83M · min. income ≈ HK$190,716/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,263,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,876
−HK$5,950/mo
▼ 0.25% · 3.875%
HK$97,827
−HK$2,999/mo
Today · 4.125%
HK$100,826
baseline
▲ 0.50% · 4.625%
HK$106,961
+HK$6,135/mo
Deposit HK$8.92M · loan HK$20.80M · min. income ≈ HK$201,652/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,263,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,549
−HK$5,702/mo
▼ 0.25% · 3.875%
HK$108,379
−HK$2,872/mo
Today · 4.125%
HK$111,251
baseline
▲ 0.50% · 4.625%
HK$117,115
+HK$5,864/mo
Deposit HK$8.92M · loan HK$20.80M · min. income ≈ HK$222,502/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,263,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,984
−HK$7,649/mo
▼ 0.25% · 3.875%
HK$125,778
−HK$3,855/mo
Today · 4.125%
HK$129,633
baseline
▲ 0.50% · 4.625%
HK$137,521
+HK$7,888/mo
Deposit HK$2.97M · loan HK$26.75M · min. income ≈ HK$259,266/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,263,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,706
−HK$7,331/mo
▼ 0.25% · 3.875%
HK$139,345
−HK$3,692/mo
Today · 4.125%
HK$143,037
baseline
▲ 0.50% · 4.625%
HK$150,577
+HK$7,540/mo
Deposit HK$2.97M · loan HK$26.75M · min. income ≈ HK$286,074/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,263,090 · Scale 2, in force from 26 Feb 2026)