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$67,603
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$69,706
−HK$2,137/mo
Today · 4.125%
HK$71,843
baseline
▲ 0.50% · 4.625%
HK$76,214
+HK$4,371/mo
Deposit HK$14.82M · loan HK$14.82M · min. income ≈ HK$143,686/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,260,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,208
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$77,225
−HK$2,046/mo
Today · 4.125%
HK$79,271
baseline
▲ 0.50% · 4.625%
HK$83,450
+HK$4,179/mo
Deposit HK$14.82M · loan HK$14.82M · min. income ≈ HK$158,542/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,260,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,124
−HK$5,087/mo
▼ 0.25% · 3.875%
HK$83,648
−HK$2,563/mo
Today · 4.125%
HK$86,211
baseline
▲ 0.50% · 4.625%
HK$91,457
+HK$5,246/mo
Deposit HK$11.86M · loan HK$17.79M · min. income ≈ HK$172,422/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,260,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,250
−HK$4,876/mo
▼ 0.25% · 3.875%
HK$92,670
−HK$2,456/mo
Today · 4.125%
HK$95,126
baseline
▲ 0.50% · 4.625%
HK$100,140
+HK$5,014/mo
Deposit HK$11.86M · loan HK$17.79M · min. income ≈ HK$190,252/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,260,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,645
−HK$5,935/mo
▼ 0.25% · 3.875%
HK$97,589
−HK$2,991/mo
Today · 4.125%
HK$100,580
baseline
▲ 0.50% · 4.625%
HK$106,700
+HK$6,120/mo
Deposit HK$8.89M · loan HK$20.75M · min. income ≈ HK$201,160/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,260,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,291
−HK$5,689/mo
▼ 0.25% · 3.875%
HK$108,115
−HK$2,865/mo
Today · 4.125%
HK$110,980
baseline
▲ 0.50% · 4.625%
HK$116,830
+HK$5,850/mo
Deposit HK$8.89M · loan HK$20.75M · min. income ≈ HK$221,960/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,260,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,686
−HK$7,631/mo
▼ 0.25% · 3.875%
HK$125,471
−HK$3,846/mo
Today · 4.125%
HK$129,317
baseline
▲ 0.50% · 4.625%
HK$137,186
+HK$7,869/mo
Deposit HK$2.96M · loan HK$26.68M · min. income ≈ HK$258,634/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,260,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,375
−HK$7,314/mo
▼ 0.25% · 3.875%
HK$139,005
−HK$3,684/mo
Today · 4.125%
HK$142,689
baseline
▲ 0.50% · 4.625%
HK$150,210
+HK$7,521/mo
Deposit HK$2.96M · loan HK$26.68M · min. income ≈ HK$285,378/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,260,011 · Scale 2, in force from 26 Feb 2026)