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$67,910
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$70,022
−HK$2,146/mo
Today · 4.125%
HK$72,168
baseline
▲ 0.50% · 4.625%
HK$76,560
+HK$4,392/mo
Deposit HK$14.89M · loan HK$14.89M · min. income ≈ HK$144,336/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,265,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,549
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$77,575
−HK$2,056/mo
Today · 4.125%
HK$79,631
baseline
▲ 0.50% · 4.625%
HK$83,828
+HK$4,197/mo
Deposit HK$14.89M · loan HK$14.89M · min. income ≈ HK$159,262/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,265,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,492
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$84,027
−HK$2,575/mo
Today · 4.125%
HK$86,602
baseline
▲ 0.50% · 4.625%
HK$91,871
+HK$5,269/mo
Deposit HK$11.91M · loan HK$17.87M · min. income ≈ HK$173,204/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,265,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,659
−HK$4,898/mo
▼ 0.25% · 3.875%
HK$93,090
−HK$2,467/mo
Today · 4.125%
HK$95,557
baseline
▲ 0.50% · 4.625%
HK$100,594
+HK$5,037/mo
Deposit HK$11.91M · loan HK$17.87M · min. income ≈ HK$191,114/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,265,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,074
−HK$5,962/mo
▼ 0.25% · 3.875%
HK$98,031
−HK$3,005/mo
Today · 4.125%
HK$101,036
baseline
▲ 0.50% · 4.625%
HK$107,183
+HK$6,147/mo
Deposit HK$8.93M · loan HK$20.85M · min. income ≈ HK$202,072/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,265,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,768
−HK$5,715/mo
▼ 0.25% · 3.875%
HK$108,605
−HK$2,878/mo
Today · 4.125%
HK$111,483
baseline
▲ 0.50% · 4.625%
HK$117,359
+HK$5,876/mo
Deposit HK$8.93M · loan HK$20.85M · min. income ≈ HK$222,966/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,265,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,237
−HK$7,666/mo
▼ 0.25% · 3.875%
HK$126,040
−HK$3,863/mo
Today · 4.125%
HK$129,903
baseline
▲ 0.50% · 4.625%
HK$137,807
+HK$7,904/mo
Deposit HK$2.98M · loan HK$26.80M · min. income ≈ HK$259,806/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,265,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,988
−HK$7,347/mo
▼ 0.25% · 3.875%
HK$139,635
−HK$3,700/mo
Today · 4.125%
HK$143,335
baseline
▲ 0.50% · 4.625%
HK$150,890
+HK$7,555/mo
Deposit HK$2.98M · loan HK$26.80M · min. income ≈ HK$286,670/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,265,719 · Scale 2, in force from 26 Feb 2026)