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$67,746
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$69,854
−HK$2,141/mo
Today · 4.125%
HK$71,995
baseline
▲ 0.50% · 4.625%
HK$76,375
+HK$4,380/mo
Deposit HK$14.85M · loan HK$14.85M · min. income ≈ HK$143,990/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,262,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,367
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$77,388
−HK$2,051/mo
Today · 4.125%
HK$79,439
baseline
▲ 0.50% · 4.625%
HK$83,626
+HK$4,187/mo
Deposit HK$14.85M · loan HK$14.85M · min. income ≈ HK$158,878/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,262,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,296
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$83,824
−HK$2,570/mo
Today · 4.125%
HK$86,394
baseline
▲ 0.50% · 4.625%
HK$91,650
+HK$5,256/mo
Deposit HK$11.88M · loan HK$17.83M · min. income ≈ HK$172,788/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,262,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,441
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$92,866
−HK$2,461/mo
Today · 4.125%
HK$95,327
baseline
▲ 0.50% · 4.625%
HK$100,352
+HK$5,025/mo
Deposit HK$11.88M · loan HK$17.83M · min. income ≈ HK$190,654/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,262,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,845
−HK$5,948/mo
▼ 0.25% · 3.875%
HK$97,795
−HK$2,998/mo
Today · 4.125%
HK$100,793
baseline
▲ 0.50% · 4.625%
HK$106,926
+HK$6,133/mo
Deposit HK$8.91M · loan HK$20.80M · min. income ≈ HK$201,586/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,262,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,514
−HK$5,701/mo
▼ 0.25% · 3.875%
HK$108,344
−HK$2,871/mo
Today · 4.125%
HK$111,215
baseline
▲ 0.50% · 4.625%
HK$117,077
+HK$5,862/mo
Deposit HK$8.91M · loan HK$20.80M · min. income ≈ HK$222,430/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,262,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,943
−HK$7,647/mo
▼ 0.25% · 3.875%
HK$125,737
−HK$3,853/mo
Today · 4.125%
HK$129,590
baseline
▲ 0.50% · 4.625%
HK$137,476
+HK$7,886/mo
Deposit HK$2.97M · loan HK$26.74M · min. income ≈ HK$259,180/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,262,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,661
−HK$7,329/mo
▼ 0.25% · 3.875%
HK$139,299
−HK$3,691/mo
Today · 4.125%
HK$142,990
baseline
▲ 0.50% · 4.625%
HK$150,527
+HK$7,537/mo
Deposit HK$2.97M · loan HK$26.74M · min. income ≈ HK$285,980/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,262,675 · Scale 2, in force from 26 Feb 2026)