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$67,870
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$69,981
−HK$2,145/mo
Today · 4.125%
HK$72,126
baseline
▲ 0.50% · 4.625%
HK$76,514
+HK$4,388/mo
Deposit HK$14.88M · loan HK$14.88M · min. income ≈ HK$144,252/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,264,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,504
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$77,529
−HK$2,054/mo
Today · 4.125%
HK$79,583
baseline
▲ 0.50% · 4.625%
HK$83,778
+HK$4,195/mo
Deposit HK$14.88M · loan HK$14.88M · min. income ≈ HK$159,166/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,264,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,443
−HK$5,108/mo
▼ 0.25% · 3.875%
HK$83,977
−HK$2,574/mo
Today · 4.125%
HK$86,551
baseline
▲ 0.50% · 4.625%
HK$91,817
+HK$5,266/mo
Deposit HK$11.91M · loan HK$17.86M · min. income ≈ HK$173,102/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,264,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,605
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$93,035
−HK$2,465/mo
Today · 4.125%
HK$95,500
baseline
▲ 0.50% · 4.625%
HK$100,534
+HK$5,034/mo
Deposit HK$11.91M · loan HK$17.86M · min. income ≈ HK$191,000/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,264,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,017
−HK$5,959/mo
▼ 0.25% · 3.875%
HK$97,973
−HK$3,003/mo
Today · 4.125%
HK$100,976
baseline
▲ 0.50% · 4.625%
HK$107,120
+HK$6,144/mo
Deposit HK$8.93M · loan HK$20.83M · min. income ≈ HK$201,952/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,264,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,706
−HK$5,711/mo
▼ 0.25% · 3.875%
HK$108,541
−HK$2,876/mo
Today · 4.125%
HK$111,417
baseline
▲ 0.50% · 4.625%
HK$117,290
+HK$5,873/mo
Deposit HK$8.93M · loan HK$20.83M · min. income ≈ HK$222,834/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,264,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,165
−HK$7,661/mo
▼ 0.25% · 3.875%
HK$125,965
−HK$3,861/mo
Today · 4.125%
HK$129,826
baseline
▲ 0.50% · 4.625%
HK$137,726
+HK$7,900/mo
Deposit HK$2.98M · loan HK$26.79M · min. income ≈ HK$259,652/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,264,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,908
−HK$7,342/mo
▼ 0.25% · 3.875%
HK$139,552
−HK$3,698/mo
Today · 4.125%
HK$143,250
baseline
▲ 0.50% · 4.625%
HK$150,801
+HK$7,551/mo
Deposit HK$2.98M · loan HK$26.79M · min. income ≈ HK$286,500/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,264,970 · Scale 2, in force from 26 Feb 2026)