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$67,632
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$69,735
−HK$2,138/mo
Today · 4.125%
HK$71,873
baseline
▲ 0.50% · 4.625%
HK$76,246
+HK$4,373/mo
Deposit HK$14.83M · loan HK$14.83M · min. income ≈ HK$143,746/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,260,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,240
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$77,258
−HK$2,047/mo
Today · 4.125%
HK$79,305
baseline
▲ 0.50% · 4.625%
HK$83,485
+HK$4,180/mo
Deposit HK$14.83M · loan HK$14.83M · min. income ≈ HK$158,610/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,260,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,158
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$83,683
−HK$2,564/mo
Today · 4.125%
HK$86,247
baseline
▲ 0.50% · 4.625%
HK$91,495
+HK$5,248/mo
Deposit HK$11.86M · loan HK$17.80M · min. income ≈ HK$172,494/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,260,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,288
−HK$4,878/mo
▼ 0.25% · 3.875%
HK$92,709
−HK$2,457/mo
Today · 4.125%
HK$95,166
baseline
▲ 0.50% · 4.625%
HK$100,182
+HK$5,016/mo
Deposit HK$11.86M · loan HK$17.80M · min. income ≈ HK$190,332/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,260,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,684
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$97,630
−HK$2,992/mo
Today · 4.125%
HK$100,622
baseline
▲ 0.50% · 4.625%
HK$106,745
+HK$6,123/mo
Deposit HK$8.90M · loan HK$20.76M · min. income ≈ HK$201,244/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,260,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,335
−HK$5,691/mo
▼ 0.25% · 3.875%
HK$108,161
−HK$2,865/mo
Today · 4.125%
HK$111,026
baseline
▲ 0.50% · 4.625%
HK$116,879
+HK$5,853/mo
Deposit HK$8.90M · loan HK$20.76M · min. income ≈ HK$222,052/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,260,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,737
−HK$7,634/mo
▼ 0.25% · 3.875%
HK$125,524
−HK$3,847/mo
Today · 4.125%
HK$129,371
baseline
▲ 0.50% · 4.625%
HK$137,243
+HK$7,872/mo
Deposit HK$2.97M · loan HK$26.69M · min. income ≈ HK$258,742/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,260,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,431
−HK$7,317/mo
▼ 0.25% · 3.875%
HK$139,064
−HK$3,684/mo
Today · 4.125%
HK$142,748
baseline
▲ 0.50% · 4.625%
HK$150,273
+HK$7,525/mo
Deposit HK$2.97M · loan HK$26.69M · min. income ≈ HK$285,496/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,260,538 · Scale 2, in force from 26 Feb 2026)