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$67,829
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$69,939
−HK$2,144/mo
Today · 4.125%
HK$72,083
baseline
▲ 0.50% · 4.625%
HK$76,469
+HK$4,386/mo
Deposit HK$14.87M · loan HK$14.87M · min. income ≈ HK$144,166/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,264,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,459
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$77,483
−HK$2,053/mo
Today · 4.125%
HK$79,536
baseline
▲ 0.50% · 4.625%
HK$83,729
+HK$4,193/mo
Deposit HK$14.87M · loan HK$14.87M · min. income ≈ HK$159,072/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,264,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,395
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$83,927
−HK$2,572/mo
Today · 4.125%
HK$86,499
baseline
▲ 0.50% · 4.625%
HK$91,763
+HK$5,264/mo
Deposit HK$11.90M · loan HK$17.85M · min. income ≈ HK$172,998/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,264,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,551
−HK$4,893/mo
▼ 0.25% · 3.875%
HK$92,980
−HK$2,464/mo
Today · 4.125%
HK$95,444
baseline
▲ 0.50% · 4.625%
HK$100,475
+HK$5,031/mo
Deposit HK$11.90M · loan HK$17.85M · min. income ≈ HK$190,888/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,264,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,961
−HK$5,955/mo
▼ 0.25% · 3.875%
HK$97,915
−HK$3,001/mo
Today · 4.125%
HK$100,916
baseline
▲ 0.50% · 4.625%
HK$107,056
+HK$6,140/mo
Deposit HK$8.92M · loan HK$20.82M · min. income ≈ HK$201,832/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,264,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,643
−HK$5,708/mo
▼ 0.25% · 3.875%
HK$108,477
−HK$2,874/mo
Today · 4.125%
HK$111,351
baseline
▲ 0.50% · 4.625%
HK$117,220
+HK$5,869/mo
Deposit HK$8.92M · loan HK$20.82M · min. income ≈ HK$222,702/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,264,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,093
−HK$7,656/mo
▼ 0.25% · 3.875%
HK$125,891
−HK$3,858/mo
Today · 4.125%
HK$129,749
baseline
▲ 0.50% · 4.625%
HK$137,644
+HK$7,895/mo
Deposit HK$2.97M · loan HK$26.77M · min. income ≈ HK$259,498/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,264,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,827
−HK$7,338/mo
▼ 0.25% · 3.875%
HK$139,470
−HK$3,695/mo
Today · 4.125%
HK$143,165
baseline
▲ 0.50% · 4.625%
HK$150,712
+HK$7,547/mo
Deposit HK$2.97M · loan HK$26.77M · min. income ≈ HK$286,330/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,264,221 · Scale 2, in force from 26 Feb 2026)