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$67,427
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$69,524
−HK$2,131/mo
Today · 4.125%
HK$71,655
baseline
▲ 0.50% · 4.625%
HK$76,015
+HK$4,360/mo
Deposit HK$14.78M · loan HK$14.78M · min. income ≈ HK$143,310/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,256,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,012
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$77,023
−HK$2,041/mo
Today · 4.125%
HK$79,064
baseline
▲ 0.50% · 4.625%
HK$83,232
+HK$4,168/mo
Deposit HK$14.78M · loan HK$14.78M · min. income ≈ HK$158,128/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,256,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,912
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$83,429
−HK$2,557/mo
Today · 4.125%
HK$85,986
baseline
▲ 0.50% · 4.625%
HK$91,218
+HK$5,232/mo
Deposit HK$11.83M · loan HK$17.74M · min. income ≈ HK$171,972/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,256,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,014
−HK$4,863/mo
▼ 0.25% · 3.875%
HK$92,428
−HK$2,449/mo
Today · 4.125%
HK$94,877
baseline
▲ 0.50% · 4.625%
HK$99,878
+HK$5,001/mo
Deposit HK$11.83M · loan HK$17.74M · min. income ≈ HK$189,754/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,256,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,398
−HK$5,919/mo
▼ 0.25% · 3.875%
HK$97,334
−HK$2,983/mo
Today · 4.125%
HK$100,317
baseline
▲ 0.50% · 4.625%
HK$106,421
+HK$6,104/mo
Deposit HK$8.87M · loan HK$20.70M · min. income ≈ HK$200,634/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,256,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,016
−HK$5,674/mo
▼ 0.25% · 3.875%
HK$107,833
−HK$2,857/mo
Today · 4.125%
HK$110,690
baseline
▲ 0.50% · 4.625%
HK$116,525
+HK$5,835/mo
Deposit HK$8.87M · loan HK$20.70M · min. income ≈ HK$221,380/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,256,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,368
−HK$7,611/mo
▼ 0.25% · 3.875%
HK$125,144
−HK$3,835/mo
Today · 4.125%
HK$128,979
baseline
▲ 0.50% · 4.625%
HK$136,827
+HK$7,848/mo
Deposit HK$2.96M · loan HK$26.61M · min. income ≈ HK$257,958/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,256,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,021
−HK$7,295/mo
▼ 0.25% · 3.875%
HK$138,642
−HK$3,674/mo
Today · 4.125%
HK$142,316
baseline
▲ 0.50% · 4.625%
HK$149,817
+HK$7,501/mo
Deposit HK$2.96M · loan HK$26.61M · min. income ≈ HK$284,632/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,256,719 · Scale 2, in force from 26 Feb 2026)