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$67,643
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$69,747
−HK$2,137/mo
Today · 4.125%
HK$71,884
baseline
▲ 0.50% · 4.625%
HK$76,258
+HK$4,374/mo
Deposit HK$14.83M · loan HK$14.83M · min. income ≈ HK$143,768/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,260,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,252
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$77,270
−HK$2,047/mo
Today · 4.125%
HK$79,317
baseline
▲ 0.50% · 4.625%
HK$83,498
+HK$4,181/mo
Deposit HK$14.83M · loan HK$14.83M · min. income ≈ HK$158,634/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,260,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,171
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$83,696
−HK$2,565/mo
Today · 4.125%
HK$86,261
baseline
▲ 0.50% · 4.625%
HK$91,510
+HK$5,249/mo
Deposit HK$11.87M · loan HK$17.80M · min. income ≈ HK$172,522/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,260,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,302
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$92,724
−HK$2,457/mo
Today · 4.125%
HK$95,181
baseline
▲ 0.50% · 4.625%
HK$100,198
+HK$5,017/mo
Deposit HK$11.87M · loan HK$17.80M · min. income ≈ HK$190,362/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,260,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,700
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$97,645
−HK$2,993/mo
Today · 4.125%
HK$100,638
baseline
▲ 0.50% · 4.625%
HK$106,762
+HK$6,124/mo
Deposit HK$8.90M · loan HK$20.77M · min. income ≈ HK$201,276/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,260,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,352
−HK$5,692/mo
▼ 0.25% · 3.875%
HK$108,178
−HK$2,866/mo
Today · 4.125%
HK$111,044
baseline
▲ 0.50% · 4.625%
HK$116,898
+HK$5,854/mo
Deposit HK$8.90M · loan HK$20.77M · min. income ≈ HK$222,088/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,260,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,757
−HK$7,635/mo
▼ 0.25% · 3.875%
HK$125,544
−HK$3,848/mo
Today · 4.125%
HK$129,392
baseline
▲ 0.50% · 4.625%
HK$137,265
+HK$7,873/mo
Deposit HK$2.97M · loan HK$26.70M · min. income ≈ HK$258,784/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,260,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,453
−HK$7,318/mo
▼ 0.25% · 3.875%
HK$139,086
−HK$3,685/mo
Today · 4.125%
HK$142,771
baseline
▲ 0.50% · 4.625%
HK$150,297
+HK$7,526/mo
Deposit HK$2.97M · loan HK$26.70M · min. income ≈ HK$285,542/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,260,740 · Scale 2, in force from 26 Feb 2026)