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$67,850
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$69,960
−HK$2,144/mo
Today · 4.125%
HK$72,104
baseline
▲ 0.50% · 4.625%
HK$76,492
+HK$4,388/mo
Deposit HK$14.88M · loan HK$14.88M · min. income ≈ HK$144,208/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,264,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,482
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$77,506
−HK$2,054/mo
Today · 4.125%
HK$79,560
baseline
▲ 0.50% · 4.625%
HK$83,754
+HK$4,194/mo
Deposit HK$14.88M · loan HK$14.88M · min. income ≈ HK$159,120/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,264,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,419
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$83,952
−HK$2,573/mo
Today · 4.125%
HK$86,525
baseline
▲ 0.50% · 4.625%
HK$91,790
+HK$5,265/mo
Deposit HK$11.90M · loan HK$17.85M · min. income ≈ HK$173,050/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,264,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,578
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$93,008
−HK$2,464/mo
Today · 4.125%
HK$95,472
baseline
▲ 0.50% · 4.625%
HK$100,504
+HK$5,032/mo
Deposit HK$11.90M · loan HK$17.85M · min. income ≈ HK$190,944/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,264,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,989
−HK$5,957/mo
▼ 0.25% · 3.875%
HK$97,944
−HK$3,002/mo
Today · 4.125%
HK$100,946
baseline
▲ 0.50% · 4.625%
HK$107,088
+HK$6,142/mo
Deposit HK$8.93M · loan HK$20.83M · min. income ≈ HK$201,892/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,264,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,675
−HK$5,709/mo
▼ 0.25% · 3.875%
HK$108,509
−HK$2,875/mo
Today · 4.125%
HK$111,384
baseline
▲ 0.50% · 4.625%
HK$117,255
+HK$5,871/mo
Deposit HK$8.93M · loan HK$20.83M · min. income ≈ HK$222,768/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,264,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,129
−HK$7,659/mo
▼ 0.25% · 3.875%
HK$125,928
−HK$3,860/mo
Today · 4.125%
HK$129,788
baseline
▲ 0.50% · 4.625%
HK$137,685
+HK$7,897/mo
Deposit HK$2.98M · loan HK$26.78M · min. income ≈ HK$259,576/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,264,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,868
−HK$7,340/mo
▼ 0.25% · 3.875%
HK$139,511
−HK$3,697/mo
Today · 4.125%
HK$143,208
baseline
▲ 0.50% · 4.625%
HK$150,757
+HK$7,549/mo
Deposit HK$2.98M · loan HK$26.78M · min. income ≈ HK$286,416/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,264,598 · Scale 2, in force from 26 Feb 2026)