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$67,624
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$69,727
−HK$2,138/mo
Today · 4.125%
HK$71,865
baseline
▲ 0.50% · 4.625%
HK$76,237
+HK$4,372/mo
Deposit HK$14.83M · loan HK$14.83M · min. income ≈ HK$143,730/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,260,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,231
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$77,249
−HK$2,046/mo
Today · 4.125%
HK$79,295
baseline
▲ 0.50% · 4.625%
HK$83,475
+HK$4,180/mo
Deposit HK$14.83M · loan HK$14.83M · min. income ≈ HK$158,590/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,260,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,149
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$83,673
−HK$2,564/mo
Today · 4.125%
HK$86,237
baseline
▲ 0.50% · 4.625%
HK$91,485
+HK$5,248/mo
Deposit HK$11.86M · loan HK$17.79M · min. income ≈ HK$172,474/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,260,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,277
−HK$4,878/mo
▼ 0.25% · 3.875%
HK$92,698
−HK$2,457/mo
Today · 4.125%
HK$95,155
baseline
▲ 0.50% · 4.625%
HK$100,170
+HK$5,015/mo
Deposit HK$11.86M · loan HK$17.79M · min. income ≈ HK$190,310/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,260,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,674
−HK$5,936/mo
▼ 0.25% · 3.875%
HK$97,618
−HK$2,992/mo
Today · 4.125%
HK$100,610
baseline
▲ 0.50% · 4.625%
HK$106,732
+HK$6,122/mo
Deposit HK$8.90M · loan HK$20.76M · min. income ≈ HK$201,220/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,260,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,323
−HK$5,691/mo
▼ 0.25% · 3.875%
HK$108,148
−HK$2,866/mo
Today · 4.125%
HK$111,014
baseline
▲ 0.50% · 4.625%
HK$116,865
+HK$5,851/mo
Deposit HK$8.90M · loan HK$20.76M · min. income ≈ HK$222,028/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,260,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,723
−HK$7,633/mo
▼ 0.25% · 3.875%
HK$125,509
−HK$3,847/mo
Today · 4.125%
HK$129,356
baseline
▲ 0.50% · 4.625%
HK$137,227
+HK$7,871/mo
Deposit HK$2.97M · loan HK$26.69M · min. income ≈ HK$258,712/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,260,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,416
−HK$7,316/mo
▼ 0.25% · 3.875%
HK$139,048
−HK$3,684/mo
Today · 4.125%
HK$142,732
baseline
▲ 0.50% · 4.625%
HK$150,255
+HK$7,523/mo
Deposit HK$2.97M · loan HK$26.69M · min. income ≈ HK$285,464/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,260,393 · Scale 2, in force from 26 Feb 2026)