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$67,828
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$69,938
−HK$2,143/mo
Today · 4.125%
HK$72,081
baseline
▲ 0.50% · 4.625%
HK$76,467
+HK$4,386/mo
Deposit HK$14.87M · loan HK$14.87M · min. income ≈ HK$144,162/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,264,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,458
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$77,481
−HK$2,053/mo
Today · 4.125%
HK$79,534
baseline
▲ 0.50% · 4.625%
HK$83,727
+HK$4,193/mo
Deposit HK$14.87M · loan HK$14.87M · min. income ≈ HK$159,068/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,264,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,393
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$83,925
−HK$2,572/mo
Today · 4.125%
HK$86,497
baseline
▲ 0.50% · 4.625%
HK$91,761
+HK$5,264/mo
Deposit HK$11.90M · loan HK$17.85M · min. income ≈ HK$172,994/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,264,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,549
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$92,978
−HK$2,463/mo
Today · 4.125%
HK$95,441
baseline
▲ 0.50% · 4.625%
HK$100,472
+HK$5,031/mo
Deposit HK$11.90M · loan HK$17.85M · min. income ≈ HK$190,882/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,264,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,959
−HK$5,955/mo
▼ 0.25% · 3.875%
HK$97,913
−HK$3,001/mo
Today · 4.125%
HK$100,914
baseline
▲ 0.50% · 4.625%
HK$107,054
+HK$6,140/mo
Deposit HK$8.92M · loan HK$20.82M · min. income ≈ HK$201,828/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,264,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,641
−HK$5,707/mo
▼ 0.25% · 3.875%
HK$108,474
−HK$2,874/mo
Today · 4.125%
HK$111,348
baseline
▲ 0.50% · 4.625%
HK$117,218
+HK$5,870/mo
Deposit HK$8.92M · loan HK$20.82M · min. income ≈ HK$222,696/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,264,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,090
−HK$7,656/mo
▼ 0.25% · 3.875%
HK$125,888
−HK$3,858/mo
Today · 4.125%
HK$129,746
baseline
▲ 0.50% · 4.625%
HK$137,641
+HK$7,895/mo
Deposit HK$2.97M · loan HK$26.77M · min. income ≈ HK$259,492/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,264,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,824
−HK$7,338/mo
▼ 0.25% · 3.875%
HK$139,467
−HK$3,695/mo
Today · 4.125%
HK$143,162
baseline
▲ 0.50% · 4.625%
HK$150,708
+HK$7,546/mo
Deposit HK$2.97M · loan HK$26.77M · min. income ≈ HK$286,324/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,264,192 · Scale 2, in force from 26 Feb 2026)