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$67,589
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$69,692
−HK$2,136/mo
Today · 4.125%
HK$71,828
baseline
▲ 0.50% · 4.625%
HK$76,198
+HK$4,370/mo
Deposit HK$14.82M · loan HK$14.82M · min. income ≈ HK$143,656/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,259,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,192
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$77,209
−HK$2,046/mo
Today · 4.125%
HK$79,255
baseline
▲ 0.50% · 4.625%
HK$83,432
+HK$4,177/mo
Deposit HK$14.82M · loan HK$14.82M · min. income ≈ HK$158,510/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,259,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,107
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$83,630
−HK$2,563/mo
Today · 4.125%
HK$86,193
baseline
▲ 0.50% · 4.625%
HK$91,438
+HK$5,245/mo
Deposit HK$11.86M · loan HK$17.78M · min. income ≈ HK$172,386/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,259,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,231
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$92,651
−HK$2,455/mo
Today · 4.125%
HK$95,106
baseline
▲ 0.50% · 4.625%
HK$100,119
+HK$5,013/mo
Deposit HK$11.86M · loan HK$17.78M · min. income ≈ HK$190,212/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,259,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,625
−HK$5,934/mo
▼ 0.25% · 3.875%
HK$97,568
−HK$2,991/mo
Today · 4.125%
HK$100,559
baseline
▲ 0.50% · 4.625%
HK$106,677
+HK$6,118/mo
Deposit HK$8.89M · loan HK$20.75M · min. income ≈ HK$201,118/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,259,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,269
−HK$5,687/mo
▼ 0.25% · 3.875%
HK$108,092
−HK$2,864/mo
Today · 4.125%
HK$110,956
baseline
▲ 0.50% · 4.625%
HK$116,805
+HK$5,849/mo
Deposit HK$8.89M · loan HK$20.75M · min. income ≈ HK$221,912/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,259,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,660
−HK$7,630/mo
▼ 0.25% · 3.875%
HK$125,445
−HK$3,845/mo
Today · 4.125%
HK$129,290
baseline
▲ 0.50% · 4.625%
HK$137,157
+HK$7,867/mo
Deposit HK$2.96M · loan HK$26.68M · min. income ≈ HK$258,580/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,259,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,346
−HK$7,312/mo
▼ 0.25% · 3.875%
HK$138,976
−HK$3,682/mo
Today · 4.125%
HK$142,658
baseline
▲ 0.50% · 4.625%
HK$150,178
+HK$7,520/mo
Deposit HK$2.96M · loan HK$26.68M · min. income ≈ HK$285,316/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,259,744 · Scale 2, in force from 26 Feb 2026)