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$67,530
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$69,631
−HK$2,134/mo
Today · 4.125%
HK$71,765
baseline
▲ 0.50% · 4.625%
HK$76,132
+HK$4,367/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$143,530/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,258,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,127
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$77,142
−HK$2,044/mo
Today · 4.125%
HK$79,186
baseline
▲ 0.50% · 4.625%
HK$83,360
+HK$4,174/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$158,372/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,258,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,037
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$83,557
−HK$2,561/mo
Today · 4.125%
HK$86,118
baseline
▲ 0.50% · 4.625%
HK$91,358
+HK$5,240/mo
Deposit HK$11.85M · loan HK$17.77M · min. income ≈ HK$172,236/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,258,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,152
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$92,570
−HK$2,453/mo
Today · 4.125%
HK$95,023
baseline
▲ 0.50% · 4.625%
HK$100,032
+HK$5,009/mo
Deposit HK$11.85M · loan HK$17.77M · min. income ≈ HK$190,046/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,258,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,543
−HK$5,928/mo
▼ 0.25% · 3.875%
HK$97,483
−HK$2,988/mo
Today · 4.125%
HK$100,471
baseline
▲ 0.50% · 4.625%
HK$106,585
+HK$6,114/mo
Deposit HK$8.88M · loan HK$20.73M · min. income ≈ HK$200,942/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,178
−HK$5,682/mo
▼ 0.25% · 3.875%
HK$107,998
−HK$2,862/mo
Today · 4.125%
HK$110,860
baseline
▲ 0.50% · 4.625%
HK$116,704
+HK$5,844/mo
Deposit HK$8.88M · loan HK$20.73M · min. income ≈ HK$221,720/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,555
−HK$7,622/mo
▼ 0.25% · 3.875%
HK$125,336
−HK$3,841/mo
Today · 4.125%
HK$129,177
baseline
▲ 0.50% · 4.625%
HK$137,037
+HK$7,860/mo
Deposit HK$2.96M · loan HK$26.65M · min. income ≈ HK$258,354/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,228
−HK$7,306/mo
▼ 0.25% · 3.875%
HK$138,855
−HK$3,679/mo
Today · 4.125%
HK$142,534
baseline
▲ 0.50% · 4.625%
HK$150,048
+HK$7,514/mo
Deposit HK$2.96M · loan HK$26.65M · min. income ≈ HK$285,068/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,650 · Scale 2, in force from 26 Feb 2026)