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$67,449
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$69,547
−HK$2,132/mo
Today · 4.125%
HK$71,679
baseline
▲ 0.50% · 4.625%
HK$76,040
+HK$4,361/mo
Deposit HK$14.79M · loan HK$14.79M · min. income ≈ HK$143,358/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,257,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,036
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$77,049
−HK$2,041/mo
Today · 4.125%
HK$79,090
baseline
▲ 0.50% · 4.625%
HK$83,259
+HK$4,169/mo
Deposit HK$14.79M · loan HK$14.79M · min. income ≈ HK$158,180/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,257,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,939
−HK$5,075/mo
▼ 0.25% · 3.875%
HK$83,456
−HK$2,558/mo
Today · 4.125%
HK$86,014
baseline
▲ 0.50% · 4.625%
HK$91,248
+HK$5,234/mo
Deposit HK$11.83M · loan HK$17.75M · min. income ≈ HK$172,028/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,257,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,044
−HK$4,864/mo
▼ 0.25% · 3.875%
HK$92,458
−HK$2,450/mo
Today · 4.125%
HK$94,908
baseline
▲ 0.50% · 4.625%
HK$99,911
+HK$5,003/mo
Deposit HK$11.83M · loan HK$17.75M · min. income ≈ HK$189,816/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,257,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,429
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$97,366
−HK$2,984/mo
Today · 4.125%
HK$100,350
baseline
▲ 0.50% · 4.625%
HK$106,456
+HK$6,106/mo
Deposit HK$8.87M · loan HK$20.71M · min. income ≈ HK$200,700/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,257,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,051
−HK$5,675/mo
▼ 0.25% · 3.875%
HK$107,868
−HK$2,858/mo
Today · 4.125%
HK$110,726
baseline
▲ 0.50% · 4.625%
HK$116,563
+HK$5,837/mo
Deposit HK$8.87M · loan HK$20.71M · min. income ≈ HK$221,452/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,257,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,408
−HK$7,614/mo
▼ 0.25% · 3.875%
HK$125,185
−HK$3,837/mo
Today · 4.125%
HK$129,022
baseline
▲ 0.50% · 4.625%
HK$136,872
+HK$7,850/mo
Deposit HK$2.96M · loan HK$26.62M · min. income ≈ HK$258,044/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,257,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,065
−HK$7,298/mo
▼ 0.25% · 3.875%
HK$138,688
−HK$3,675/mo
Today · 4.125%
HK$142,363
baseline
▲ 0.50% · 4.625%
HK$149,867
+HK$7,504/mo
Deposit HK$2.96M · loan HK$26.62M · min. income ≈ HK$284,726/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,257,132 · Scale 2, in force from 26 Feb 2026)