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$67,644
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$69,748
−HK$2,138/mo
Today · 4.125%
HK$71,886
baseline
▲ 0.50% · 4.625%
HK$76,260
+HK$4,374/mo
Deposit HK$14.83M · loan HK$14.83M · min. income ≈ HK$143,772/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,260,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,253
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$77,272
−HK$2,047/mo
Today · 4.125%
HK$79,319
baseline
▲ 0.50% · 4.625%
HK$83,500
+HK$4,181/mo
Deposit HK$14.83M · loan HK$14.83M · min. income ≈ HK$158,638/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,260,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,173
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$83,698
−HK$2,565/mo
Today · 4.125%
HK$86,263
baseline
▲ 0.50% · 4.625%
HK$91,512
+HK$5,249/mo
Deposit HK$11.87M · loan HK$17.80M · min. income ≈ HK$172,526/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,260,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,304
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$92,726
−HK$2,457/mo
Today · 4.125%
HK$95,183
baseline
▲ 0.50% · 4.625%
HK$100,200
+HK$5,017/mo
Deposit HK$11.87M · loan HK$17.80M · min. income ≈ HK$190,366/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,260,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,702
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$97,647
−HK$2,993/mo
Today · 4.125%
HK$100,640
baseline
▲ 0.50% · 4.625%
HK$106,764
+HK$6,124/mo
Deposit HK$8.90M · loan HK$20.77M · min. income ≈ HK$201,280/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,260,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,355
−HK$5,692/mo
▼ 0.25% · 3.875%
HK$108,180
−HK$2,867/mo
Today · 4.125%
HK$111,047
baseline
▲ 0.50% · 4.625%
HK$116,900
+HK$5,853/mo
Deposit HK$8.90M · loan HK$20.77M · min. income ≈ HK$222,094/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,260,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,759
−HK$7,636/mo
▼ 0.25% · 3.875%
HK$125,547
−HK$3,848/mo
Today · 4.125%
HK$129,395
baseline
▲ 0.50% · 4.625%
HK$137,268
+HK$7,873/mo
Deposit HK$2.97M · loan HK$26.70M · min. income ≈ HK$258,790/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,260,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,456
−HK$7,318/mo
▼ 0.25% · 3.875%
HK$139,089
−HK$3,685/mo
Today · 4.125%
HK$142,774
baseline
▲ 0.50% · 4.625%
HK$150,300
+HK$7,526/mo
Deposit HK$2.97M · loan HK$26.70M · min. income ≈ HK$285,548/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,260,766 · Scale 2, in force from 26 Feb 2026)