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$67,831
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$69,941
−HK$2,144/mo
Today · 4.125%
HK$72,085
baseline
▲ 0.50% · 4.625%
HK$76,471
+HK$4,386/mo
Deposit HK$14.87M · loan HK$14.87M · min. income ≈ HK$144,170/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,264,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,461
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$77,485
−HK$2,053/mo
Today · 4.125%
HK$79,538
baseline
▲ 0.50% · 4.625%
HK$83,731
+HK$4,193/mo
Deposit HK$14.87M · loan HK$14.87M · min. income ≈ HK$159,076/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,264,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,397
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$83,929
−HK$2,573/mo
Today · 4.125%
HK$86,502
baseline
▲ 0.50% · 4.625%
HK$91,765
+HK$5,263/mo
Deposit HK$11.90M · loan HK$17.85M · min. income ≈ HK$173,004/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,264,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,554
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$92,982
−HK$2,464/mo
Today · 4.125%
HK$95,446
baseline
▲ 0.50% · 4.625%
HK$100,477
+HK$5,031/mo
Deposit HK$11.90M · loan HK$17.85M · min. income ≈ HK$190,892/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,264,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,964
−HK$5,955/mo
▼ 0.25% · 3.875%
HK$97,917
−HK$3,002/mo
Today · 4.125%
HK$100,919
baseline
▲ 0.50% · 4.625%
HK$107,059
+HK$6,140/mo
Deposit HK$8.92M · loan HK$20.82M · min. income ≈ HK$201,838/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,264,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,646
−HK$5,708/mo
▼ 0.25% · 3.875%
HK$108,479
−HK$2,875/mo
Today · 4.125%
HK$111,354
baseline
▲ 0.50% · 4.625%
HK$117,223
+HK$5,869/mo
Deposit HK$8.92M · loan HK$20.82M · min. income ≈ HK$222,708/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,264,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,096
−HK$7,656/mo
▼ 0.25% · 3.875%
HK$125,894
−HK$3,858/mo
Today · 4.125%
HK$129,752
baseline
▲ 0.50% · 4.625%
HK$137,648
+HK$7,896/mo
Deposit HK$2.97M · loan HK$26.77M · min. income ≈ HK$259,504/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,264,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,831
−HK$7,338/mo
▼ 0.25% · 3.875%
HK$139,473
−HK$3,696/mo
Today · 4.125%
HK$143,169
baseline
▲ 0.50% · 4.625%
HK$150,716
+HK$7,547/mo
Deposit HK$2.97M · loan HK$26.77M · min. income ≈ HK$286,338/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,264,254 · Scale 2, in force from 26 Feb 2026)