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$67,539
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$69,640
−HK$2,134/mo
Today · 4.125%
HK$71,774
baseline
▲ 0.50% · 4.625%
HK$76,141
+HK$4,367/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$143,548/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,258,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,136
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$77,151
−HK$2,045/mo
Today · 4.125%
HK$79,196
baseline
▲ 0.50% · 4.625%
HK$83,370
+HK$4,174/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$158,392/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,258,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,047
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$83,568
−HK$2,561/mo
Today · 4.125%
HK$86,129
baseline
▲ 0.50% · 4.625%
HK$91,370
+HK$5,241/mo
Deposit HK$11.85M · loan HK$17.77M · min. income ≈ HK$172,258/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,258,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,163
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$92,582
−HK$2,453/mo
Today · 4.125%
HK$95,035
baseline
▲ 0.50% · 4.625%
HK$100,044
+HK$5,009/mo
Deposit HK$11.85M · loan HK$17.77M · min. income ≈ HK$190,070/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,258,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,554
−HK$5,930/mo
▼ 0.25% · 3.875%
HK$97,495
−HK$2,989/mo
Today · 4.125%
HK$100,484
baseline
▲ 0.50% · 4.625%
HK$106,598
+HK$6,114/mo
Deposit HK$8.89M · loan HK$20.73M · min. income ≈ HK$200,968/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,191
−HK$5,683/mo
▼ 0.25% · 3.875%
HK$108,012
−HK$2,862/mo
Today · 4.125%
HK$110,874
baseline
▲ 0.50% · 4.625%
HK$116,718
+HK$5,844/mo
Deposit HK$8.89M · loan HK$20.73M · min. income ≈ HK$221,748/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,570
−HK$7,623/mo
▼ 0.25% · 3.875%
HK$125,351
−HK$3,842/mo
Today · 4.125%
HK$129,193
baseline
▲ 0.50% · 4.625%
HK$137,054
+HK$7,861/mo
Deposit HK$2.96M · loan HK$26.66M · min. income ≈ HK$258,386/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,245
−HK$7,307/mo
▼ 0.25% · 3.875%
HK$138,872
−HK$3,680/mo
Today · 4.125%
HK$142,552
baseline
▲ 0.50% · 4.625%
HK$150,066
+HK$7,514/mo
Deposit HK$2.96M · loan HK$26.66M · min. income ≈ HK$285,104/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,805 · Scale 2, in force from 26 Feb 2026)