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$67,814
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$69,923
−HK$2,143/mo
Today · 4.125%
HK$72,066
baseline
▲ 0.50% · 4.625%
HK$76,452
+HK$4,386/mo
Deposit HK$14.87M · loan HK$14.87M · min. income ≈ HK$144,132/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,263,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,442
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$77,466
−HK$2,052/mo
Today · 4.125%
HK$79,518
baseline
▲ 0.50% · 4.625%
HK$83,710
+HK$4,192/mo
Deposit HK$14.87M · loan HK$14.87M · min. income ≈ HK$159,036/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,263,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,377
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$83,908
−HK$2,572/mo
Today · 4.125%
HK$86,480
baseline
▲ 0.50% · 4.625%
HK$91,742
+HK$5,262/mo
Deposit HK$11.90M · loan HK$17.84M · min. income ≈ HK$172,960/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,263,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,531
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$92,959
−HK$2,463/mo
Today · 4.125%
HK$95,422
baseline
▲ 0.50% · 4.625%
HK$100,452
+HK$5,030/mo
Deposit HK$11.90M · loan HK$17.84M · min. income ≈ HK$190,844/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,263,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,940
−HK$5,953/mo
▼ 0.25% · 3.875%
HK$97,893
−HK$3,000/mo
Today · 4.125%
HK$100,893
baseline
▲ 0.50% · 4.625%
HK$107,032
+HK$6,139/mo
Deposit HK$8.92M · loan HK$20.82M · min. income ≈ HK$201,786/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,263,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,619
−HK$5,707/mo
▼ 0.25% · 3.875%
HK$108,452
−HK$2,874/mo
Today · 4.125%
HK$111,326
baseline
▲ 0.50% · 4.625%
HK$117,194
+HK$5,868/mo
Deposit HK$8.92M · loan HK$20.82M · min. income ≈ HK$222,652/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,263,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,065
−HK$7,655/mo
▼ 0.25% · 3.875%
HK$125,862
−HK$3,858/mo
Today · 4.125%
HK$129,720
baseline
▲ 0.50% · 4.625%
HK$137,613
+HK$7,893/mo
Deposit HK$2.97M · loan HK$26.77M · min. income ≈ HK$259,440/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,263,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,796
−HK$7,337/mo
▼ 0.25% · 3.875%
HK$139,438
−HK$3,695/mo
Today · 4.125%
HK$143,133
baseline
▲ 0.50% · 4.625%
HK$150,678
+HK$7,545/mo
Deposit HK$2.97M · loan HK$26.77M · min. income ≈ HK$286,266/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,263,934 · Scale 2, in force from 26 Feb 2026)