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$67,844
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$69,955
−HK$2,144/mo
Today · 4.125%
HK$72,099
baseline
▲ 0.50% · 4.625%
HK$76,486
+HK$4,387/mo
Deposit HK$14.88M · loan HK$14.88M · min. income ≈ HK$144,198/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,264,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,476
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$77,500
−HK$2,054/mo
Today · 4.125%
HK$79,554
baseline
▲ 0.50% · 4.625%
HK$83,747
+HK$4,193/mo
Deposit HK$14.88M · loan HK$14.88M · min. income ≈ HK$159,108/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,264,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,413
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$83,945
−HK$2,573/mo
Today · 4.125%
HK$86,518
baseline
▲ 0.50% · 4.625%
HK$91,783
+HK$5,265/mo
Deposit HK$11.90M · loan HK$17.85M · min. income ≈ HK$173,036/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,264,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,571
−HK$4,893/mo
▼ 0.25% · 3.875%
HK$93,000
−HK$2,464/mo
Today · 4.125%
HK$95,464
baseline
▲ 0.50% · 4.625%
HK$100,496
+HK$5,032/mo
Deposit HK$11.90M · loan HK$17.85M · min. income ≈ HK$190,928/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,264,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,982
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$97,936
−HK$3,002/mo
Today · 4.125%
HK$100,938
baseline
▲ 0.50% · 4.625%
HK$107,080
+HK$6,142/mo
Deposit HK$8.93M · loan HK$20.83M · min. income ≈ HK$201,876/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,264,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,666
−HK$5,709/mo
▼ 0.25% · 3.875%
HK$108,500
−HK$2,875/mo
Today · 4.125%
HK$111,375
baseline
▲ 0.50% · 4.625%
HK$117,246
+HK$5,871/mo
Deposit HK$8.93M · loan HK$20.83M · min. income ≈ HK$222,750/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,264,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,120
−HK$7,657/mo
▼ 0.25% · 3.875%
HK$125,918
−HK$3,859/mo
Today · 4.125%
HK$129,777
baseline
▲ 0.50% · 4.625%
HK$137,674
+HK$7,897/mo
Deposit HK$2.98M · loan HK$26.78M · min. income ≈ HK$259,554/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,264,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,857
−HK$7,340/mo
▼ 0.25% · 3.875%
HK$139,500
−HK$3,697/mo
Today · 4.125%
HK$143,197
baseline
▲ 0.50% · 4.625%
HK$150,745
+HK$7,548/mo
Deposit HK$2.98M · loan HK$26.78M · min. income ≈ HK$286,394/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,264,497 · Scale 2, in force from 26 Feb 2026)