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$67,789
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$69,897
−HK$2,143/mo
Today · 4.125%
HK$72,040
baseline
▲ 0.50% · 4.625%
HK$76,423
+HK$4,383/mo
Deposit HK$14.86M · loan HK$14.86M · min. income ≈ HK$144,080/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,263,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,414
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$77,437
−HK$2,052/mo
Today · 4.125%
HK$79,489
baseline
▲ 0.50% · 4.625%
HK$83,679
+HK$4,190/mo
Deposit HK$14.86M · loan HK$14.86M · min. income ≈ HK$158,978/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,263,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,346
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$83,877
−HK$2,571/mo
Today · 4.125%
HK$86,448
baseline
▲ 0.50% · 4.625%
HK$91,708
+HK$5,260/mo
Deposit HK$11.89M · loan HK$17.84M · min. income ≈ HK$172,896/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,263,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,497
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$92,924
−HK$2,462/mo
Today · 4.125%
HK$95,386
baseline
▲ 0.50% · 4.625%
HK$100,414
+HK$5,028/mo
Deposit HK$11.89M · loan HK$17.84M · min. income ≈ HK$190,772/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,263,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,904
−HK$5,951/mo
▼ 0.25% · 3.875%
HK$97,856
−HK$2,999/mo
Today · 4.125%
HK$100,855
baseline
▲ 0.50% · 4.625%
HK$106,992
+HK$6,137/mo
Deposit HK$8.92M · loan HK$20.81M · min. income ≈ HK$201,710/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,263,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,580
−HK$5,704/mo
▼ 0.25% · 3.875%
HK$108,412
−HK$2,872/mo
Today · 4.125%
HK$111,284
baseline
▲ 0.50% · 4.625%
HK$117,150
+HK$5,866/mo
Deposit HK$8.92M · loan HK$20.81M · min. income ≈ HK$222,568/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,263,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,020
−HK$7,651/mo
▼ 0.25% · 3.875%
HK$125,815
−HK$3,856/mo
Today · 4.125%
HK$129,671
baseline
▲ 0.50% · 4.625%
HK$137,562
+HK$7,891/mo
Deposit HK$2.97M · loan HK$26.76M · min. income ≈ HK$259,342/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,263,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,746
−HK$7,334/mo
▼ 0.25% · 3.875%
HK$139,386
−HK$3,694/mo
Today · 4.125%
HK$143,080
baseline
▲ 0.50% · 4.625%
HK$150,621
+HK$7,541/mo
Deposit HK$2.97M · loan HK$26.76M · min. income ≈ HK$286,160/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,263,463 · Scale 2, in force from 26 Feb 2026)