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$67,560
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$69,662
−HK$2,135/mo
Today · 4.125%
HK$71,797
baseline
▲ 0.50% · 4.625%
HK$76,166
+HK$4,369/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$143,594/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,259,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,160
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$77,176
−HK$2,045/mo
Today · 4.125%
HK$79,221
baseline
▲ 0.50% · 4.625%
HK$83,397
+HK$4,176/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$158,442/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,259,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,072
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$83,594
−HK$2,562/mo
Today · 4.125%
HK$86,156
baseline
▲ 0.50% · 4.625%
HK$91,399
+HK$5,243/mo
Deposit HK$11.85M · loan HK$17.78M · min. income ≈ HK$172,312/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,259,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,192
−HK$4,873/mo
▼ 0.25% · 3.875%
HK$92,611
−HK$2,454/mo
Today · 4.125%
HK$95,065
baseline
▲ 0.50% · 4.625%
HK$100,076
+HK$5,011/mo
Deposit HK$11.85M · loan HK$17.78M · min. income ≈ HK$190,130/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,259,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,585
−HK$5,931/mo
▼ 0.25% · 3.875%
HK$97,527
−HK$2,989/mo
Today · 4.125%
HK$100,516
baseline
▲ 0.50% · 4.625%
HK$106,632
+HK$6,116/mo
Deposit HK$8.89M · loan HK$20.74M · min. income ≈ HK$201,032/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,259,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,224
−HK$5,685/mo
▼ 0.25% · 3.875%
HK$108,046
−HK$2,863/mo
Today · 4.125%
HK$110,909
baseline
▲ 0.50% · 4.625%
HK$116,755
+HK$5,846/mo
Deposit HK$8.89M · loan HK$20.74M · min. income ≈ HK$221,818/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,259,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,609
−HK$7,626/mo
▼ 0.25% · 3.875%
HK$125,391
−HK$3,844/mo
Today · 4.125%
HK$129,235
baseline
▲ 0.50% · 4.625%
HK$137,098
+HK$7,863/mo
Deposit HK$2.96M · loan HK$26.67M · min. income ≈ HK$258,470/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,259,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,288
−HK$7,310/mo
▼ 0.25% · 3.875%
HK$138,917
−HK$3,681/mo
Today · 4.125%
HK$142,598
baseline
▲ 0.50% · 4.625%
HK$150,114
+HK$7,516/mo
Deposit HK$2.96M · loan HK$26.67M · min. income ≈ HK$285,196/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,259,208 · Scale 2, in force from 26 Feb 2026)