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$67,570
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$69,672
−HK$2,136/mo
Today · 4.125%
HK$71,808
baseline
▲ 0.50% · 4.625%
HK$76,177
+HK$4,369/mo
Deposit HK$14.82M · loan HK$14.82M · min. income ≈ HK$143,616/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,259,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,171
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$77,187
−HK$2,046/mo
Today · 4.125%
HK$79,233
baseline
▲ 0.50% · 4.625%
HK$83,409
+HK$4,176/mo
Deposit HK$14.82M · loan HK$14.82M · min. income ≈ HK$158,466/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,259,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,084
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$83,607
−HK$2,562/mo
Today · 4.125%
HK$86,169
baseline
▲ 0.50% · 4.625%
HK$91,412
+HK$5,243/mo
Deposit HK$11.85M · loan HK$17.78M · min. income ≈ HK$172,338/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,259,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,206
−HK$4,873/mo
▼ 0.25% · 3.875%
HK$92,625
−HK$2,454/mo
Today · 4.125%
HK$95,079
baseline
▲ 0.50% · 4.625%
HK$100,091
+HK$5,012/mo
Deposit HK$11.85M · loan HK$17.78M · min. income ≈ HK$190,158/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,259,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,599
−HK$5,932/mo
▼ 0.25% · 3.875%
HK$97,541
−HK$2,990/mo
Today · 4.125%
HK$100,531
baseline
▲ 0.50% · 4.625%
HK$106,648
+HK$6,117/mo
Deposit HK$8.89M · loan HK$20.74M · min. income ≈ HK$201,062/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,259,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,240
−HK$5,686/mo
▼ 0.25% · 3.875%
HK$108,062
−HK$2,864/mo
Today · 4.125%
HK$110,926
baseline
▲ 0.50% · 4.625%
HK$116,773
+HK$5,847/mo
Deposit HK$8.89M · loan HK$20.74M · min. income ≈ HK$221,852/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,259,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,627
−HK$7,627/mo
▼ 0.25% · 3.875%
HK$125,410
−HK$3,844/mo
Today · 4.125%
HK$129,254
baseline
▲ 0.50% · 4.625%
HK$137,119
+HK$7,865/mo
Deposit HK$2.96M · loan HK$26.67M · min. income ≈ HK$258,508/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,259,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,308
−HK$7,311/mo
▼ 0.25% · 3.875%
HK$138,937
−HK$3,682/mo
Today · 4.125%
HK$142,619
baseline
▲ 0.50% · 4.625%
HK$150,136
+HK$7,517/mo
Deposit HK$2.96M · loan HK$26.67M · min. income ≈ HK$285,238/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,259,395 · Scale 2, in force from 26 Feb 2026)