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$67,430
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$69,527
−HK$2,131/mo
Today · 4.125%
HK$71,658
baseline
▲ 0.50% · 4.625%
HK$76,018
+HK$4,360/mo
Deposit HK$14.79M · loan HK$14.79M · min. income ≈ HK$143,316/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,256,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,015
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$77,027
−HK$2,041/mo
Today · 4.125%
HK$79,068
baseline
▲ 0.50% · 4.625%
HK$83,236
+HK$4,168/mo
Deposit HK$14.79M · loan HK$14.79M · min. income ≈ HK$158,136/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,256,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,916
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$83,433
−HK$2,557/mo
Today · 4.125%
HK$85,990
baseline
▲ 0.50% · 4.625%
HK$91,222
+HK$5,232/mo
Deposit HK$11.83M · loan HK$17.74M · min. income ≈ HK$171,980/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,256,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,018
−HK$4,863/mo
▼ 0.25% · 3.875%
HK$92,432
−HK$2,449/mo
Today · 4.125%
HK$94,881
baseline
▲ 0.50% · 4.625%
HK$99,883
+HK$5,002/mo
Deposit HK$11.83M · loan HK$17.74M · min. income ≈ HK$189,762/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,256,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,402
−HK$5,919/mo
▼ 0.25% · 3.875%
HK$97,338
−HK$2,983/mo
Today · 4.125%
HK$100,321
baseline
▲ 0.50% · 4.625%
HK$106,426
+HK$6,105/mo
Deposit HK$8.87M · loan HK$20.70M · min. income ≈ HK$200,642/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,256,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,021
−HK$5,674/mo
▼ 0.25% · 3.875%
HK$107,837
−HK$2,858/mo
Today · 4.125%
HK$110,695
baseline
▲ 0.50% · 4.625%
HK$116,530
+HK$5,835/mo
Deposit HK$8.87M · loan HK$20.70M · min. income ≈ HK$221,390/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,256,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,374
−HK$7,611/mo
▼ 0.25% · 3.875%
HK$125,149
−HK$3,836/mo
Today · 4.125%
HK$128,985
baseline
▲ 0.50% · 4.625%
HK$136,833
+HK$7,848/mo
Deposit HK$2.96M · loan HK$26.61M · min. income ≈ HK$257,970/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,256,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,027
−HK$7,295/mo
▼ 0.25% · 3.875%
HK$138,648
−HK$3,674/mo
Today · 4.125%
HK$142,322
baseline
▲ 0.50% · 4.625%
HK$149,824
+HK$7,502/mo
Deposit HK$2.96M · loan HK$26.61M · min. income ≈ HK$284,644/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,256,773 · Scale 2, in force from 26 Feb 2026)