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$67,448
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$69,546
−HK$2,132/mo
Today · 4.125%
HK$71,678
baseline
▲ 0.50% · 4.625%
HK$76,039
+HK$4,361/mo
Deposit HK$14.79M · loan HK$14.79M · min. income ≈ HK$143,356/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,257,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,036
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$77,048
−HK$2,042/mo
Today · 4.125%
HK$79,090
baseline
▲ 0.50% · 4.625%
HK$83,258
+HK$4,168/mo
Deposit HK$14.79M · loan HK$14.79M · min. income ≈ HK$158,180/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,257,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,938
−HK$5,076/mo
▼ 0.25% · 3.875%
HK$83,456
−HK$2,558/mo
Today · 4.125%
HK$86,014
baseline
▲ 0.50% · 4.625%
HK$91,247
+HK$5,233/mo
Deposit HK$11.83M · loan HK$17.75M · min. income ≈ HK$172,028/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,257,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,043
−HK$4,864/mo
▼ 0.25% · 3.875%
HK$92,458
−HK$2,449/mo
Today · 4.125%
HK$94,907
baseline
▲ 0.50% · 4.625%
HK$99,910
+HK$5,003/mo
Deposit HK$11.83M · loan HK$17.75M · min. income ≈ HK$189,814/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,257,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,428
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$97,365
−HK$2,984/mo
Today · 4.125%
HK$100,349
baseline
▲ 0.50% · 4.625%
HK$106,455
+HK$6,106/mo
Deposit HK$8.87M · loan HK$20.71M · min. income ≈ HK$200,698/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,257,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,050
−HK$5,675/mo
▼ 0.25% · 3.875%
HK$107,867
−HK$2,858/mo
Today · 4.125%
HK$110,725
baseline
▲ 0.50% · 4.625%
HK$116,562
+HK$5,837/mo
Deposit HK$8.87M · loan HK$20.71M · min. income ≈ HK$221,450/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,257,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,407
−HK$7,613/mo
▼ 0.25% · 3.875%
HK$125,184
−HK$3,836/mo
Today · 4.125%
HK$129,020
baseline
▲ 0.50% · 4.625%
HK$136,871
+HK$7,851/mo
Deposit HK$2.96M · loan HK$26.62M · min. income ≈ HK$258,040/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,257,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,064
−HK$7,297/mo
▼ 0.25% · 3.875%
HK$138,686
−HK$3,675/mo
Today · 4.125%
HK$142,361
baseline
▲ 0.50% · 4.625%
HK$149,865
+HK$7,504/mo
Deposit HK$2.96M · loan HK$26.62M · min. income ≈ HK$284,722/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,257,120 · Scale 2, in force from 26 Feb 2026)