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$67,689
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$69,794
−HK$2,139/mo
Today · 4.125%
HK$71,933
baseline
▲ 0.50% · 4.625%
HK$76,310
+HK$4,377/mo
Deposit HK$14.84M · loan HK$14.84M · min. income ≈ HK$143,866/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,261,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,303
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$77,322
−HK$2,049/mo
Today · 4.125%
HK$79,371
baseline
▲ 0.50% · 4.625%
HK$83,555
+HK$4,184/mo
Deposit HK$14.84M · loan HK$14.84M · min. income ≈ HK$158,742/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,261,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,226
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$83,753
−HK$2,567/mo
Today · 4.125%
HK$86,320
baseline
▲ 0.50% · 4.625%
HK$91,572
+HK$5,252/mo
Deposit HK$11.87M · loan HK$17.81M · min. income ≈ HK$172,640/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,261,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,363
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$92,787
−HK$2,458/mo
Today · 4.125%
HK$95,245
baseline
▲ 0.50% · 4.625%
HK$100,266
+HK$5,021/mo
Deposit HK$11.87M · loan HK$17.81M · min. income ≈ HK$190,490/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,261,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,764
−HK$5,942/mo
▼ 0.25% · 3.875%
HK$97,712
−HK$2,994/mo
Today · 4.125%
HK$100,706
baseline
▲ 0.50% · 4.625%
HK$106,834
+HK$6,128/mo
Deposit HK$8.91M · loan HK$20.78M · min. income ≈ HK$201,412/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$1,261,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,424
−HK$5,696/mo
▼ 0.25% · 3.875%
HK$108,251
−HK$2,869/mo
Today · 4.125%
HK$111,120
baseline
▲ 0.50% · 4.625%
HK$116,977
+HK$5,857/mo
Deposit HK$8.91M · loan HK$20.78M · min. income ≈ HK$222,240/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$1,261,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,839
−HK$7,641/mo
▼ 0.25% · 3.875%
HK$125,629
−HK$3,851/mo
Today · 4.125%
HK$129,480
baseline
▲ 0.50% · 4.625%
HK$137,358
+HK$7,878/mo
Deposit HK$2.97M · loan HK$26.72M · min. income ≈ HK$258,960/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,261,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,545
−HK$7,323/mo
▼ 0.25% · 3.875%
HK$139,180
−HK$3,688/mo
Today · 4.125%
HK$142,868
baseline
▲ 0.50% · 4.625%
HK$150,399
+HK$7,531/mo
Deposit HK$2.97M · loan HK$26.72M · min. income ≈ HK$285,736/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,261,597 · Scale 2, in force from 26 Feb 2026)