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$67,535
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$69,636
−HK$2,135/mo
Today · 4.125%
HK$71,771
baseline
▲ 0.50% · 4.625%
HK$76,138
+HK$4,367/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$143,542/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,258,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,133
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$77,148
−HK$2,044/mo
Today · 4.125%
HK$79,192
baseline
▲ 0.50% · 4.625%
HK$83,366
+HK$4,174/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$158,384/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,258,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,043
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$83,563
−HK$2,562/mo
Today · 4.125%
HK$86,125
baseline
▲ 0.50% · 4.625%
HK$91,365
+HK$5,240/mo
Deposit HK$11.85M · loan HK$17.77M · min. income ≈ HK$172,250/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,258,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,159
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$92,577
−HK$2,453/mo
Today · 4.125%
HK$95,030
baseline
▲ 0.50% · 4.625%
HK$100,039
+HK$5,009/mo
Deposit HK$11.85M · loan HK$17.77M · min. income ≈ HK$190,060/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,258,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,550
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$97,491
−HK$2,988/mo
Today · 4.125%
HK$100,479
baseline
▲ 0.50% · 4.625%
HK$106,593
+HK$6,114/mo
Deposit HK$8.89M · loan HK$20.73M · min. income ≈ HK$200,958/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,186
−HK$5,682/mo
▼ 0.25% · 3.875%
HK$108,007
−HK$2,861/mo
Today · 4.125%
HK$110,868
baseline
▲ 0.50% · 4.625%
HK$116,712
+HK$5,844/mo
Deposit HK$8.89M · loan HK$20.73M · min. income ≈ HK$221,736/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,564
−HK$7,623/mo
▼ 0.25% · 3.875%
HK$125,345
−HK$3,842/mo
Today · 4.125%
HK$129,187
baseline
▲ 0.50% · 4.625%
HK$137,048
+HK$7,861/mo
Deposit HK$2.96M · loan HK$26.66M · min. income ≈ HK$258,374/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,239
−HK$7,306/mo
▼ 0.25% · 3.875%
HK$138,866
−HK$3,679/mo
Today · 4.125%
HK$142,545
baseline
▲ 0.50% · 4.625%
HK$150,059
+HK$7,514/mo
Deposit HK$2.96M · loan HK$26.66M · min. income ≈ HK$285,090/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,743 · Scale 2, in force from 26 Feb 2026)