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$67,817
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$69,927
−HK$2,143/mo
Today · 4.125%
HK$72,070
baseline
▲ 0.50% · 4.625%
HK$76,455
+HK$4,385/mo
Deposit HK$14.87M · loan HK$14.87M · min. income ≈ HK$144,140/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,263,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,446
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$77,470
−HK$2,052/mo
Today · 4.125%
HK$79,522
baseline
▲ 0.50% · 4.625%
HK$83,714
+HK$4,192/mo
Deposit HK$14.87M · loan HK$14.87M · min. income ≈ HK$159,044/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,263,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,381
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$83,912
−HK$2,572/mo
Today · 4.125%
HK$86,484
baseline
▲ 0.50% · 4.625%
HK$91,746
+HK$5,262/mo
Deposit HK$11.90M · loan HK$17.84M · min. income ≈ HK$172,968/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,263,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,535
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$92,963
−HK$2,464/mo
Today · 4.125%
HK$95,427
baseline
▲ 0.50% · 4.625%
HK$100,457
+HK$5,030/mo
Deposit HK$11.90M · loan HK$17.84M · min. income ≈ HK$190,854/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,263,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,944
−HK$5,954/mo
▼ 0.25% · 3.875%
HK$97,898
−HK$3,000/mo
Today · 4.125%
HK$100,898
baseline
▲ 0.50% · 4.625%
HK$107,038
+HK$6,140/mo
Deposit HK$8.92M · loan HK$20.82M · min. income ≈ HK$201,796/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,263,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,625
−HK$5,706/mo
▼ 0.25% · 3.875%
HK$108,457
−HK$2,874/mo
Today · 4.125%
HK$111,331
baseline
▲ 0.50% · 4.625%
HK$117,200
+HK$5,869/mo
Deposit HK$8.92M · loan HK$20.82M · min. income ≈ HK$222,662/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,263,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,071
−HK$7,655/mo
▼ 0.25% · 3.875%
HK$125,868
−HK$3,858/mo
Today · 4.125%
HK$129,726
baseline
▲ 0.50% · 4.625%
HK$137,620
+HK$7,894/mo
Deposit HK$2.97M · loan HK$26.77M · min. income ≈ HK$259,452/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,263,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,803
−HK$7,337/mo
▼ 0.25% · 3.875%
HK$139,445
−HK$3,695/mo
Today · 4.125%
HK$143,140
baseline
▲ 0.50% · 4.625%
HK$150,685
+HK$7,545/mo
Deposit HK$2.97M · loan HK$26.77M · min. income ≈ HK$286,280/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,263,998 · Scale 2, in force from 26 Feb 2026)