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$67,546
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$69,648
−HK$2,134/mo
Today · 4.125%
HK$71,782
baseline
▲ 0.50% · 4.625%
HK$76,150
+HK$4,368/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$143,564/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,258,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,145
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$77,160
−HK$2,045/mo
Today · 4.125%
HK$79,205
baseline
▲ 0.50% · 4.625%
HK$83,380
+HK$4,175/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$158,410/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,258,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,056
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$83,577
−HK$2,562/mo
Today · 4.125%
HK$86,139
baseline
▲ 0.50% · 4.625%
HK$91,380
+HK$5,241/mo
Deposit HK$11.85M · loan HK$17.77M · min. income ≈ HK$172,278/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,258,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,174
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$92,592
−HK$2,454/mo
Today · 4.125%
HK$95,046
baseline
▲ 0.50% · 4.625%
HK$100,056
+HK$5,010/mo
Deposit HK$11.85M · loan HK$17.77M · min. income ≈ HK$190,092/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,258,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,565
−HK$5,930/mo
▼ 0.25% · 3.875%
HK$97,507
−HK$2,988/mo
Today · 4.125%
HK$100,495
baseline
▲ 0.50% · 4.625%
HK$106,610
+HK$6,115/mo
Deposit HK$8.89M · loan HK$20.74M · min. income ≈ HK$200,990/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,258,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,203
−HK$5,683/mo
▼ 0.25% · 3.875%
HK$108,024
−HK$2,862/mo
Today · 4.125%
HK$110,886
baseline
▲ 0.50% · 4.625%
HK$116,731
+HK$5,845/mo
Deposit HK$8.89M · loan HK$20.74M · min. income ≈ HK$221,772/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,258,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,584
−HK$7,624/mo
▼ 0.25% · 3.875%
HK$125,366
−HK$3,842/mo
Today · 4.125%
HK$129,208
baseline
▲ 0.50% · 4.625%
HK$137,070
+HK$7,862/mo
Deposit HK$2.96M · loan HK$26.66M · min. income ≈ HK$258,416/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,261
−HK$7,307/mo
▼ 0.25% · 3.875%
HK$138,888
−HK$3,680/mo
Today · 4.125%
HK$142,568
baseline
▲ 0.50% · 4.625%
HK$150,083
+HK$7,515/mo
Deposit HK$2.96M · loan HK$26.66M · min. income ≈ HK$285,136/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,949 · Scale 2, in force from 26 Feb 2026)