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$67,823
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$69,933
−HK$2,143/mo
Today · 4.125%
HK$72,076
baseline
▲ 0.50% · 4.625%
HK$76,462
+HK$4,386/mo
Deposit HK$14.87M · loan HK$14.87M · min. income ≈ HK$144,152/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,264,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,453
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$77,476
−HK$2,053/mo
Today · 4.125%
HK$79,529
baseline
▲ 0.50% · 4.625%
HK$83,721
+HK$4,192/mo
Deposit HK$14.87M · loan HK$14.87M · min. income ≈ HK$159,058/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,264,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,388
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$83,919
−HK$2,572/mo
Today · 4.125%
HK$86,491
baseline
▲ 0.50% · 4.625%
HK$91,754
+HK$5,263/mo
Deposit HK$11.90M · loan HK$17.85M · min. income ≈ HK$172,982/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,264,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,543
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$92,971
−HK$2,464/mo
Today · 4.125%
HK$95,435
baseline
▲ 0.50% · 4.625%
HK$100,465
+HK$5,030/mo
Deposit HK$11.90M · loan HK$17.85M · min. income ≈ HK$190,870/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,264,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,952
−HK$5,955/mo
▼ 0.25% · 3.875%
HK$97,906
−HK$3,001/mo
Today · 4.125%
HK$100,907
baseline
▲ 0.50% · 4.625%
HK$107,047
+HK$6,140/mo
Deposit HK$8.92M · loan HK$20.82M · min. income ≈ HK$201,814/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,264,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,634
−HK$5,707/mo
▼ 0.25% · 3.875%
HK$108,467
−HK$2,874/mo
Today · 4.125%
HK$111,341
baseline
▲ 0.50% · 4.625%
HK$117,210
+HK$5,869/mo
Deposit HK$8.92M · loan HK$20.82M · min. income ≈ HK$222,682/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,264,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,082
−HK$7,655/mo
▼ 0.25% · 3.875%
HK$125,879
−HK$3,858/mo
Today · 4.125%
HK$129,737
baseline
▲ 0.50% · 4.625%
HK$137,631
+HK$7,894/mo
Deposit HK$2.97M · loan HK$26.77M · min. income ≈ HK$259,474/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,264,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,815
−HK$7,337/mo
▼ 0.25% · 3.875%
HK$139,457
−HK$3,695/mo
Today · 4.125%
HK$143,152
baseline
▲ 0.50% · 4.625%
HK$150,698
+HK$7,546/mo
Deposit HK$2.97M · loan HK$26.77M · min. income ≈ HK$286,304/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,264,105 · Scale 2, in force from 26 Feb 2026)