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$67,863
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$69,974
−HK$2,145/mo
Today · 4.125%
HK$72,119
baseline
▲ 0.50% · 4.625%
HK$76,507
+HK$4,388/mo
Deposit HK$14.88M · loan HK$14.88M · min. income ≈ HK$144,238/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,264,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,497
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$77,522
−HK$2,054/mo
Today · 4.125%
HK$79,576
baseline
▲ 0.50% · 4.625%
HK$83,770
+HK$4,194/mo
Deposit HK$14.88M · loan HK$14.88M · min. income ≈ HK$159,152/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,264,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,436
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$83,969
−HK$2,574/mo
Today · 4.125%
HK$86,543
baseline
▲ 0.50% · 4.625%
HK$91,808
+HK$5,265/mo
Deposit HK$11.90M · loan HK$17.86M · min. income ≈ HK$173,086/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,264,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,596
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$93,026
−HK$2,465/mo
Today · 4.125%
HK$95,491
baseline
▲ 0.50% · 4.625%
HK$100,525
+HK$5,034/mo
Deposit HK$11.90M · loan HK$17.86M · min. income ≈ HK$190,982/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,264,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,008
−HK$5,958/mo
▼ 0.25% · 3.875%
HK$97,964
−HK$3,002/mo
Today · 4.125%
HK$100,966
baseline
▲ 0.50% · 4.625%
HK$107,110
+HK$6,144/mo
Deposit HK$8.93M · loan HK$20.83M · min. income ≈ HK$201,932/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,264,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,696
−HK$5,710/mo
▼ 0.25% · 3.875%
HK$108,531
−HK$2,875/mo
Today · 4.125%
HK$111,406
baseline
▲ 0.50% · 4.625%
HK$117,279
+HK$5,873/mo
Deposit HK$8.93M · loan HK$20.83M · min. income ≈ HK$222,812/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,264,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,154
−HK$7,660/mo
▼ 0.25% · 3.875%
HK$125,953
−HK$3,861/mo
Today · 4.125%
HK$129,814
baseline
▲ 0.50% · 4.625%
HK$137,713
+HK$7,899/mo
Deposit HK$2.98M · loan HK$26.79M · min. income ≈ HK$259,628/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,264,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,895
−HK$7,342/mo
▼ 0.25% · 3.875%
HK$139,539
−HK$3,698/mo
Today · 4.125%
HK$143,237
baseline
▲ 0.50% · 4.625%
HK$150,787
+HK$7,550/mo
Deposit HK$2.98M · loan HK$26.79M · min. income ≈ HK$286,474/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,264,851 · Scale 2, in force from 26 Feb 2026)