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$67,559
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$69,661
−HK$2,135/mo
Today · 4.125%
HK$71,796
baseline
▲ 0.50% · 4.625%
HK$76,165
+HK$4,369/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$143,592/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,259,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,159
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$77,175
−HK$2,045/mo
Today · 4.125%
HK$79,220
baseline
▲ 0.50% · 4.625%
HK$83,396
+HK$4,176/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$158,440/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,259,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,071
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$83,593
−HK$2,562/mo
Today · 4.125%
HK$86,155
baseline
▲ 0.50% · 4.625%
HK$91,398
+HK$5,243/mo
Deposit HK$11.85M · loan HK$17.78M · min. income ≈ HK$172,310/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,259,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,191
−HK$4,873/mo
▼ 0.25% · 3.875%
HK$92,610
−HK$2,454/mo
Today · 4.125%
HK$95,064
baseline
▲ 0.50% · 4.625%
HK$100,075
+HK$5,011/mo
Deposit HK$11.85M · loan HK$17.78M · min. income ≈ HK$190,128/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,259,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,583
−HK$5,931/mo
▼ 0.25% · 3.875%
HK$97,525
−HK$2,989/mo
Today · 4.125%
HK$100,514
baseline
▲ 0.50% · 4.625%
HK$106,630
+HK$6,116/mo
Deposit HK$8.89M · loan HK$20.74M · min. income ≈ HK$201,028/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,259,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,223
−HK$5,685/mo
▼ 0.25% · 3.875%
HK$108,045
−HK$2,863/mo
Today · 4.125%
HK$110,908
baseline
▲ 0.50% · 4.625%
HK$116,754
+HK$5,846/mo
Deposit HK$8.89M · loan HK$20.74M · min. income ≈ HK$221,816/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,259,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,607
−HK$7,626/mo
▼ 0.25% · 3.875%
HK$125,390
−HK$3,843/mo
Today · 4.125%
HK$129,233
baseline
▲ 0.50% · 4.625%
HK$137,096
+HK$7,863/mo
Deposit HK$2.96M · loan HK$26.67M · min. income ≈ HK$258,466/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,259,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,287
−HK$7,309/mo
▼ 0.25% · 3.875%
HK$138,915
−HK$3,681/mo
Today · 4.125%
HK$142,596
baseline
▲ 0.50% · 4.625%
HK$150,112
+HK$7,516/mo
Deposit HK$2.96M · loan HK$26.67M · min. income ≈ HK$285,192/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,259,190 · Scale 2, in force from 26 Feb 2026)