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$67,784
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$69,892
−HK$2,142/mo
Today · 4.125%
HK$72,034
baseline
▲ 0.50% · 4.625%
HK$76,418
+HK$4,384/mo
Deposit HK$14.86M · loan HK$14.86M · min. income ≈ HK$144,068/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,263,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,409
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$77,431
−HK$2,052/mo
Today · 4.125%
HK$79,483
baseline
▲ 0.50% · 4.625%
HK$83,673
+HK$4,190/mo
Deposit HK$14.86M · loan HK$14.86M · min. income ≈ HK$158,966/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,263,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,341
−HK$5,100/mo
▼ 0.25% · 3.875%
HK$83,871
−HK$2,570/mo
Today · 4.125%
HK$86,441
baseline
▲ 0.50% · 4.625%
HK$91,701
+HK$5,260/mo
Deposit HK$11.89M · loan HK$17.84M · min. income ≈ HK$172,882/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,263,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,491
−HK$4,888/mo
▼ 0.25% · 3.875%
HK$92,917
−HK$2,462/mo
Today · 4.125%
HK$95,379
baseline
▲ 0.50% · 4.625%
HK$100,407
+HK$5,028/mo
Deposit HK$11.89M · loan HK$17.84M · min. income ≈ HK$190,758/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,263,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,897
−HK$5,951/mo
▼ 0.25% · 3.875%
HK$97,849
−HK$2,999/mo
Today · 4.125%
HK$100,848
baseline
▲ 0.50% · 4.625%
HK$106,985
+HK$6,137/mo
Deposit HK$8.92M · loan HK$20.81M · min. income ≈ HK$201,696/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,263,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,572
−HK$5,704/mo
▼ 0.25% · 3.875%
HK$108,404
−HK$2,872/mo
Today · 4.125%
HK$111,276
baseline
▲ 0.50% · 4.625%
HK$117,142
+HK$5,866/mo
Deposit HK$8.92M · loan HK$20.81M · min. income ≈ HK$222,552/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,263,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,011
−HK$7,651/mo
▼ 0.25% · 3.875%
HK$125,806
−HK$3,856/mo
Today · 4.125%
HK$129,662
baseline
▲ 0.50% · 4.625%
HK$137,552
+HK$7,890/mo
Deposit HK$2.97M · loan HK$26.75M · min. income ≈ HK$259,324/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,263,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,736
−HK$7,333/mo
▼ 0.25% · 3.875%
HK$139,376
−HK$3,693/mo
Today · 4.125%
HK$143,069
baseline
▲ 0.50% · 4.625%
HK$150,611
+HK$7,542/mo
Deposit HK$2.97M · loan HK$26.75M · min. income ≈ HK$286,138/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,263,372 · Scale 2, in force from 26 Feb 2026)