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$67,637
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$69,741
−HK$2,137/mo
Today · 4.125%
HK$71,878
baseline
▲ 0.50% · 4.625%
HK$76,252
+HK$4,374/mo
Deposit HK$14.83M · loan HK$14.83M · min. income ≈ HK$143,756/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,260,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,245
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$77,263
−HK$2,047/mo
Today · 4.125%
HK$79,310
baseline
▲ 0.50% · 4.625%
HK$83,491
+HK$4,181/mo
Deposit HK$14.83M · loan HK$14.83M · min. income ≈ HK$158,620/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,260,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,164
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$83,689
−HK$2,565/mo
Today · 4.125%
HK$86,254
baseline
▲ 0.50% · 4.625%
HK$91,502
+HK$5,248/mo
Deposit HK$11.86M · loan HK$17.80M · min. income ≈ HK$172,508/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,260,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,294
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$92,716
−HK$2,457/mo
Today · 4.125%
HK$95,173
baseline
▲ 0.50% · 4.625%
HK$100,189
+HK$5,016/mo
Deposit HK$11.86M · loan HK$17.80M · min. income ≈ HK$190,346/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,260,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,691
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$97,637
−HK$2,992/mo
Today · 4.125%
HK$100,629
baseline
▲ 0.50% · 4.625%
HK$106,752
+HK$6,123/mo
Deposit HK$8.90M · loan HK$20.76M · min. income ≈ HK$201,258/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,260,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,343
−HK$5,692/mo
▼ 0.25% · 3.875%
HK$108,169
−HK$2,866/mo
Today · 4.125%
HK$111,035
baseline
▲ 0.50% · 4.625%
HK$116,887
+HK$5,852/mo
Deposit HK$8.90M · loan HK$20.76M · min. income ≈ HK$222,070/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,260,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,746
−HK$7,635/mo
▼ 0.25% · 3.875%
HK$125,533
−HK$3,848/mo
Today · 4.125%
HK$129,381
baseline
▲ 0.50% · 4.625%
HK$137,253
+HK$7,872/mo
Deposit HK$2.97M · loan HK$26.70M · min. income ≈ HK$258,762/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,260,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,441
−HK$7,318/mo
▼ 0.25% · 3.875%
HK$139,074
−HK$3,685/mo
Today · 4.125%
HK$142,759
baseline
▲ 0.50% · 4.625%
HK$150,284
+HK$7,525/mo
Deposit HK$2.97M · loan HK$26.70M · min. income ≈ HK$285,518/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,260,631 · Scale 2, in force from 26 Feb 2026)