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$67,450
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$69,548
−HK$2,132/mo
Today · 4.125%
HK$71,680
baseline
▲ 0.50% · 4.625%
HK$76,041
+HK$4,361/mo
Deposit HK$14.79M · loan HK$14.79M · min. income ≈ HK$143,360/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,257,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,037
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$77,050
−HK$2,041/mo
Today · 4.125%
HK$79,091
baseline
▲ 0.50% · 4.625%
HK$83,260
+HK$4,169/mo
Deposit HK$14.79M · loan HK$14.79M · min. income ≈ HK$158,182/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,257,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,940
−HK$5,076/mo
▼ 0.25% · 3.875%
HK$83,458
−HK$2,558/mo
Today · 4.125%
HK$86,016
baseline
▲ 0.50% · 4.625%
HK$91,249
+HK$5,233/mo
Deposit HK$11.83M · loan HK$17.75M · min. income ≈ HK$172,032/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,257,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,045
−HK$4,865/mo
▼ 0.25% · 3.875%
HK$92,460
−HK$2,450/mo
Today · 4.125%
HK$94,910
baseline
▲ 0.50% · 4.625%
HK$99,912
+HK$5,002/mo
Deposit HK$11.83M · loan HK$17.75M · min. income ≈ HK$189,820/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,257,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,430
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$97,367
−HK$2,984/mo
Today · 4.125%
HK$100,351
baseline
▲ 0.50% · 4.625%
HK$106,458
+HK$6,107/mo
Deposit HK$8.87M · loan HK$20.71M · min. income ≈ HK$200,702/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,257,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,052
−HK$5,676/mo
▼ 0.25% · 3.875%
HK$107,870
−HK$2,858/mo
Today · 4.125%
HK$110,728
baseline
▲ 0.50% · 4.625%
HK$116,565
+HK$5,837/mo
Deposit HK$8.87M · loan HK$20.71M · min. income ≈ HK$221,456/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,257,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,410
−HK$7,613/mo
▼ 0.25% · 3.875%
HK$125,186
−HK$3,837/mo
Today · 4.125%
HK$129,023
baseline
▲ 0.50% · 4.625%
HK$136,874
+HK$7,851/mo
Deposit HK$2.96M · loan HK$26.62M · min. income ≈ HK$258,046/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,257,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,067
−HK$7,298/mo
▼ 0.25% · 3.875%
HK$138,690
−HK$3,675/mo
Today · 4.125%
HK$142,365
baseline
▲ 0.50% · 4.625%
HK$149,869
+HK$7,504/mo
Deposit HK$2.96M · loan HK$26.62M · min. income ≈ HK$284,730/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,257,149 · Scale 2, in force from 26 Feb 2026)