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$67,459
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$69,557
−HK$2,132/mo
Today · 4.125%
HK$71,689
baseline
▲ 0.50% · 4.625%
HK$76,051
+HK$4,362/mo
Deposit HK$14.79M · loan HK$14.79M · min. income ≈ HK$143,378/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,257,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,047
−HK$4,055/mo
▼ 0.25% · 3.875%
HK$77,060
−HK$2,042/mo
Today · 4.125%
HK$79,102
baseline
▲ 0.50% · 4.625%
HK$83,271
+HK$4,169/mo
Deposit HK$14.79M · loan HK$14.79M · min. income ≈ HK$158,204/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,257,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,950
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$83,468
−HK$2,559/mo
Today · 4.125%
HK$86,027
baseline
▲ 0.50% · 4.625%
HK$91,261
+HK$5,234/mo
Deposit HK$11.83M · loan HK$17.75M · min. income ≈ HK$172,054/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,257,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,057
−HK$4,865/mo
▼ 0.25% · 3.875%
HK$92,472
−HK$2,450/mo
Today · 4.125%
HK$94,922
baseline
▲ 0.50% · 4.625%
HK$99,925
+HK$5,003/mo
Deposit HK$11.83M · loan HK$17.75M · min. income ≈ HK$189,844/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,257,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,442
−HK$5,923/mo
▼ 0.25% · 3.875%
HK$97,380
−HK$2,985/mo
Today · 4.125%
HK$100,365
baseline
▲ 0.50% · 4.625%
HK$106,471
+HK$6,106/mo
Deposit HK$8.88M · loan HK$20.71M · min. income ≈ HK$200,730/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,257,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,066
−HK$5,676/mo
▼ 0.25% · 3.875%
HK$107,884
−HK$2,858/mo
Today · 4.125%
HK$110,742
baseline
▲ 0.50% · 4.625%
HK$116,580
+HK$5,838/mo
Deposit HK$8.88M · loan HK$20.71M · min. income ≈ HK$221,484/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,257,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,426
−HK$7,614/mo
▼ 0.25% · 3.875%
HK$125,203
−HK$3,837/mo
Today · 4.125%
HK$129,040
baseline
▲ 0.50% · 4.625%
HK$136,892
+HK$7,852/mo
Deposit HK$2.96M · loan HK$26.63M · min. income ≈ HK$258,080/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,257,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,085
−HK$7,298/mo
▼ 0.25% · 3.875%
HK$138,708
−HK$3,675/mo
Today · 4.125%
HK$142,383
baseline
▲ 0.50% · 4.625%
HK$149,888
+HK$7,505/mo
Deposit HK$2.96M · loan HK$26.63M · min. income ≈ HK$284,766/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,257,313 · Scale 2, in force from 26 Feb 2026)