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$67,618
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$69,722
−HK$2,137/mo
Today · 4.125%
HK$71,859
baseline
▲ 0.50% · 4.625%
HK$76,231
+HK$4,372/mo
Deposit HK$14.83M · loan HK$14.83M · min. income ≈ HK$143,718/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,260,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,225
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$77,242
−HK$2,047/mo
Today · 4.125%
HK$79,289
baseline
▲ 0.50% · 4.625%
HK$83,468
+HK$4,179/mo
Deposit HK$14.83M · loan HK$14.83M · min. income ≈ HK$158,578/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,260,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,142
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$83,666
−HK$2,564/mo
Today · 4.125%
HK$86,230
baseline
▲ 0.50% · 4.625%
HK$91,477
+HK$5,247/mo
Deposit HK$11.86M · loan HK$17.79M · min. income ≈ HK$172,460/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,260,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,270
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$92,691
−HK$2,456/mo
Today · 4.125%
HK$95,147
baseline
▲ 0.50% · 4.625%
HK$100,162
+HK$5,015/mo
Deposit HK$11.86M · loan HK$17.79M · min. income ≈ HK$190,294/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,260,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,666
−HK$5,936/mo
▼ 0.25% · 3.875%
HK$97,610
−HK$2,992/mo
Today · 4.125%
HK$100,602
baseline
▲ 0.50% · 4.625%
HK$106,724
+HK$6,122/mo
Deposit HK$8.90M · loan HK$20.76M · min. income ≈ HK$201,204/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,260,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,315
−HK$5,690/mo
▼ 0.25% · 3.875%
HK$108,139
−HK$2,866/mo
Today · 4.125%
HK$111,005
baseline
▲ 0.50% · 4.625%
HK$116,856
+HK$5,851/mo
Deposit HK$8.90M · loan HK$20.76M · min. income ≈ HK$222,010/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,260,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,713
−HK$7,633/mo
▼ 0.25% · 3.875%
HK$125,499
−HK$3,847/mo
Today · 4.125%
HK$129,346
baseline
▲ 0.50% · 4.625%
HK$137,216
+HK$7,870/mo
Deposit HK$2.97M · loan HK$26.69M · min. income ≈ HK$258,692/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,260,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,405
−HK$7,315/mo
▼ 0.25% · 3.875%
HK$139,036
−HK$3,684/mo
Today · 4.125%
HK$142,720
baseline
▲ 0.50% · 4.625%
HK$150,243
+HK$7,523/mo
Deposit HK$2.97M · loan HK$26.69M · min. income ≈ HK$285,440/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,260,290 · Scale 2, in force from 26 Feb 2026)