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$67,742
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$69,849
−HK$2,141/mo
Today · 4.125%
HK$71,990
baseline
▲ 0.50% · 4.625%
HK$76,370
+HK$4,380/mo
Deposit HK$14.85M · loan HK$14.85M · min. income ≈ HK$143,980/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,262,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,362
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$77,384
−HK$2,050/mo
Today · 4.125%
HK$79,434
baseline
▲ 0.50% · 4.625%
HK$83,621
+HK$4,187/mo
Deposit HK$14.85M · loan HK$14.85M · min. income ≈ HK$158,868/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,262,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,290
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$83,819
−HK$2,569/mo
Today · 4.125%
HK$86,388
baseline
▲ 0.50% · 4.625%
HK$91,645
+HK$5,257/mo
Deposit HK$11.88M · loan HK$17.82M · min. income ≈ HK$172,776/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,262,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,435
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$92,860
−HK$2,461/mo
Today · 4.125%
HK$95,321
baseline
▲ 0.50% · 4.625%
HK$100,345
+HK$5,024/mo
Deposit HK$11.88M · loan HK$17.82M · min. income ≈ HK$190,642/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,262,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,839
−HK$5,947/mo
▼ 0.25% · 3.875%
HK$97,789
−HK$2,997/mo
Today · 4.125%
HK$100,786
baseline
▲ 0.50% · 4.625%
HK$106,919
+HK$6,133/mo
Deposit HK$8.91M · loan HK$20.80M · min. income ≈ HK$201,572/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,262,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,507
−HK$5,701/mo
▼ 0.25% · 3.875%
HK$108,337
−HK$2,871/mo
Today · 4.125%
HK$111,208
baseline
▲ 0.50% · 4.625%
HK$117,069
+HK$5,861/mo
Deposit HK$8.91M · loan HK$20.80M · min. income ≈ HK$222,416/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,262,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,936
−HK$7,646/mo
▼ 0.25% · 3.875%
HK$125,729
−HK$3,853/mo
Today · 4.125%
HK$129,582
baseline
▲ 0.50% · 4.625%
HK$137,467
+HK$7,885/mo
Deposit HK$2.97M · loan HK$26.74M · min. income ≈ HK$259,164/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,262,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,652
−HK$7,329/mo
▼ 0.25% · 3.875%
HK$139,290
−HK$3,691/mo
Today · 4.125%
HK$142,981
baseline
▲ 0.50% · 4.625%
HK$150,518
+HK$7,537/mo
Deposit HK$2.97M · loan HK$26.74M · min. income ≈ HK$285,962/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,262,594 · Scale 2, in force from 26 Feb 2026)