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$67,653
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$69,757
−HK$2,139/mo
Today · 4.125%
HK$71,896
baseline
▲ 0.50% · 4.625%
HK$76,270
+HK$4,374/mo
Deposit HK$14.83M · loan HK$14.83M · min. income ≈ HK$143,792/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,260,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,263
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$77,282
−HK$2,048/mo
Today · 4.125%
HK$79,330
baseline
▲ 0.50% · 4.625%
HK$83,511
+HK$4,181/mo
Deposit HK$14.83M · loan HK$14.83M · min. income ≈ HK$158,660/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,260,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,184
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$83,709
−HK$2,566/mo
Today · 4.125%
HK$86,275
baseline
▲ 0.50% · 4.625%
HK$91,524
+HK$5,249/mo
Deposit HK$11.87M · loan HK$17.80M · min. income ≈ HK$172,550/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,260,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,316
−HK$4,880/mo
▼ 0.25% · 3.875%
HK$92,738
−HK$2,458/mo
Today · 4.125%
HK$95,196
baseline
▲ 0.50% · 4.625%
HK$100,213
+HK$5,017/mo
Deposit HK$11.87M · loan HK$17.80M · min. income ≈ HK$190,392/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,260,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,714
−HK$5,940/mo
▼ 0.25% · 3.875%
HK$97,660
−HK$2,994/mo
Today · 4.125%
HK$100,654
baseline
▲ 0.50% · 4.625%
HK$106,778
+HK$6,124/mo
Deposit HK$8.90M · loan HK$20.77M · min. income ≈ HK$201,308/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,260,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,369
−HK$5,692/mo
▼ 0.25% · 3.875%
HK$108,195
−HK$2,866/mo
Today · 4.125%
HK$111,061
baseline
▲ 0.50% · 4.625%
HK$116,916
+HK$5,855/mo
Deposit HK$8.90M · loan HK$20.77M · min. income ≈ HK$222,122/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,260,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,776
−HK$7,636/mo
▼ 0.25% · 3.875%
HK$125,563
−HK$3,849/mo
Today · 4.125%
HK$129,412
baseline
▲ 0.50% · 4.625%
HK$137,286
+HK$7,874/mo
Deposit HK$2.97M · loan HK$26.70M · min. income ≈ HK$258,824/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,260,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,474
−HK$7,319/mo
▼ 0.25% · 3.875%
HK$139,107
−HK$3,686/mo
Today · 4.125%
HK$142,793
baseline
▲ 0.50% · 4.625%
HK$150,320
+HK$7,527/mo
Deposit HK$2.97M · loan HK$26.70M · min. income ≈ HK$285,586/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,260,936 · Scale 2, in force from 26 Feb 2026)