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$67,574
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$69,676
−HK$2,135/mo
Today · 4.125%
HK$71,811
baseline
▲ 0.50% · 4.625%
HK$76,181
+HK$4,370/mo
Deposit HK$14.82M · loan HK$14.82M · min. income ≈ HK$143,622/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,259,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,175
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$77,191
−HK$2,046/mo
Today · 4.125%
HK$79,237
baseline
▲ 0.50% · 4.625%
HK$83,413
+HK$4,176/mo
Deposit HK$14.82M · loan HK$14.82M · min. income ≈ HK$158,474/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,259,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,088
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$83,611
−HK$2,562/mo
Today · 4.125%
HK$86,173
baseline
▲ 0.50% · 4.625%
HK$91,417
+HK$5,244/mo
Deposit HK$11.85M · loan HK$17.78M · min. income ≈ HK$172,346/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,259,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,210
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$92,629
−HK$2,455/mo
Today · 4.125%
HK$95,084
baseline
▲ 0.50% · 4.625%
HK$100,096
+HK$5,012/mo
Deposit HK$11.85M · loan HK$17.78M · min. income ≈ HK$190,168/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,259,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,603
−HK$5,933/mo
▼ 0.25% · 3.875%
HK$97,546
−HK$2,990/mo
Today · 4.125%
HK$100,536
baseline
▲ 0.50% · 4.625%
HK$106,653
+HK$6,117/mo
Deposit HK$8.89M · loan HK$20.74M · min. income ≈ HK$201,072/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,259,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,245
−HK$5,686/mo
▼ 0.25% · 3.875%
HK$108,068
−HK$2,863/mo
Today · 4.125%
HK$110,931
baseline
▲ 0.50% · 4.625%
HK$116,778
+HK$5,847/mo
Deposit HK$8.89M · loan HK$20.74M · min. income ≈ HK$221,862/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,259,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,633
−HK$7,627/mo
▼ 0.25% · 3.875%
HK$125,416
−HK$3,844/mo
Today · 4.125%
HK$129,260
baseline
▲ 0.50% · 4.625%
HK$137,125
+HK$7,865/mo
Deposit HK$2.96M · loan HK$26.67M · min. income ≈ HK$258,520/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,259,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,315
−HK$7,311/mo
▼ 0.25% · 3.875%
HK$138,944
−HK$3,682/mo
Today · 4.125%
HK$142,626
baseline
▲ 0.50% · 4.625%
HK$150,144
+HK$7,518/mo
Deposit HK$2.96M · loan HK$26.67M · min. income ≈ HK$285,252/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,259,456 · Scale 2, in force from 26 Feb 2026)