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$67,843
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$69,953
−HK$2,144/mo
Today · 4.125%
HK$72,097
baseline
▲ 0.50% · 4.625%
HK$76,484
+HK$4,387/mo
Deposit HK$14.88M · loan HK$14.88M · min. income ≈ HK$144,194/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,264,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,474
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$77,499
−HK$2,053/mo
Today · 4.125%
HK$79,552
baseline
▲ 0.50% · 4.625%
HK$83,745
+HK$4,193/mo
Deposit HK$14.88M · loan HK$14.88M · min. income ≈ HK$159,104/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,264,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,411
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$83,944
−HK$2,573/mo
Today · 4.125%
HK$86,517
baseline
▲ 0.50% · 4.625%
HK$91,781
+HK$5,264/mo
Deposit HK$11.90M · loan HK$17.85M · min. income ≈ HK$173,034/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,264,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,569
−HK$4,893/mo
▼ 0.25% · 3.875%
HK$92,998
−HK$2,464/mo
Today · 4.125%
HK$95,462
baseline
▲ 0.50% · 4.625%
HK$100,494
+HK$5,032/mo
Deposit HK$11.90M · loan HK$17.85M · min. income ≈ HK$190,924/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,264,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,980
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$97,934
−HK$3,002/mo
Today · 4.125%
HK$100,936
baseline
▲ 0.50% · 4.625%
HK$107,078
+HK$6,142/mo
Deposit HK$8.93M · loan HK$20.83M · min. income ≈ HK$201,872/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,264,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,664
−HK$5,709/mo
▼ 0.25% · 3.875%
HK$108,498
−HK$2,875/mo
Today · 4.125%
HK$111,373
baseline
▲ 0.50% · 4.625%
HK$117,243
+HK$5,870/mo
Deposit HK$8.93M · loan HK$20.83M · min. income ≈ HK$222,746/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,264,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,117
−HK$7,658/mo
▼ 0.25% · 3.875%
HK$125,915
−HK$3,860/mo
Today · 4.125%
HK$129,775
baseline
▲ 0.50% · 4.625%
HK$137,671
+HK$7,896/mo
Deposit HK$2.98M · loan HK$26.78M · min. income ≈ HK$259,550/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,264,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,854
−HK$7,340/mo
▼ 0.25% · 3.875%
HK$139,497
−HK$3,697/mo
Today · 4.125%
HK$143,194
baseline
▲ 0.50% · 4.625%
HK$150,742
+HK$7,548/mo
Deposit HK$2.98M · loan HK$26.78M · min. income ≈ HK$286,388/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,264,471 · Scale 2, in force from 26 Feb 2026)