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$67,574
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$69,676
−HK$2,136/mo
Today · 4.125%
HK$71,812
baseline
▲ 0.50% · 4.625%
HK$76,181
+HK$4,369/mo
Deposit HK$14.82M · loan HK$14.82M · min. income ≈ HK$143,624/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,259,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,176
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$77,192
−HK$2,045/mo
Today · 4.125%
HK$79,237
baseline
▲ 0.50% · 4.625%
HK$83,414
+HK$4,177/mo
Deposit HK$14.82M · loan HK$14.82M · min. income ≈ HK$158,474/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,259,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,089
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$83,611
−HK$2,563/mo
Today · 4.125%
HK$86,174
baseline
▲ 0.50% · 4.625%
HK$91,417
+HK$5,243/mo
Deposit HK$11.85M · loan HK$17.78M · min. income ≈ HK$172,348/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,259,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,211
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$92,630
−HK$2,455/mo
Today · 4.125%
HK$95,085
baseline
▲ 0.50% · 4.625%
HK$100,097
+HK$5,012/mo
Deposit HK$11.85M · loan HK$17.78M · min. income ≈ HK$190,170/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,259,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,604
−HK$5,932/mo
▼ 0.25% · 3.875%
HK$97,547
−HK$2,989/mo
Today · 4.125%
HK$100,536
baseline
▲ 0.50% · 4.625%
HK$106,654
+HK$6,118/mo
Deposit HK$8.89M · loan HK$20.74M · min. income ≈ HK$201,072/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,259,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,246
−HK$5,686/mo
▼ 0.25% · 3.875%
HK$108,068
−HK$2,864/mo
Today · 4.125%
HK$110,932
baseline
▲ 0.50% · 4.625%
HK$116,779
+HK$5,847/mo
Deposit HK$8.89M · loan HK$20.74M · min. income ≈ HK$221,864/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,259,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,634
−HK$7,627/mo
▼ 0.25% · 3.875%
HK$125,417
−HK$3,844/mo
Today · 4.125%
HK$129,261
baseline
▲ 0.50% · 4.625%
HK$137,126
+HK$7,865/mo
Deposit HK$2.96M · loan HK$26.67M · min. income ≈ HK$258,522/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,259,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,316
−HK$7,311/mo
▼ 0.25% · 3.875%
HK$138,945
−HK$3,682/mo
Today · 4.125%
HK$142,627
baseline
▲ 0.50% · 4.625%
HK$150,145
+HK$7,518/mo
Deposit HK$2.96M · loan HK$26.67M · min. income ≈ HK$285,254/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,259,465 · Scale 2, in force from 26 Feb 2026)