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$67,634
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$69,738
−HK$2,138/mo
Today · 4.125%
HK$71,876
baseline
▲ 0.50% · 4.625%
HK$76,249
+HK$4,373/mo
Deposit HK$14.83M · loan HK$14.83M · min. income ≈ HK$143,752/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,260,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,243
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$77,261
−HK$2,047/mo
Today · 4.125%
HK$79,308
baseline
▲ 0.50% · 4.625%
HK$83,488
+HK$4,180/mo
Deposit HK$14.83M · loan HK$14.83M · min. income ≈ HK$158,616/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,260,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,161
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$83,686
−HK$2,565/mo
Today · 4.125%
HK$86,251
baseline
▲ 0.50% · 4.625%
HK$91,499
+HK$5,248/mo
Deposit HK$11.86M · loan HK$17.80M · min. income ≈ HK$172,502/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,260,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,291
−HK$4,878/mo
▼ 0.25% · 3.875%
HK$92,713
−HK$2,456/mo
Today · 4.125%
HK$95,169
baseline
▲ 0.50% · 4.625%
HK$100,186
+HK$5,017/mo
Deposit HK$11.86M · loan HK$17.80M · min. income ≈ HK$190,338/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,260,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,688
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$97,633
−HK$2,993/mo
Today · 4.125%
HK$100,626
baseline
▲ 0.50% · 4.625%
HK$106,749
+HK$6,123/mo
Deposit HK$8.90M · loan HK$20.76M · min. income ≈ HK$201,252/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,260,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,340
−HK$5,691/mo
▼ 0.25% · 3.875%
HK$108,165
−HK$2,866/mo
Today · 4.125%
HK$111,031
baseline
▲ 0.50% · 4.625%
HK$116,883
+HK$5,852/mo
Deposit HK$8.90M · loan HK$20.76M · min. income ≈ HK$222,062/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,260,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,742
−HK$7,634/mo
▼ 0.25% · 3.875%
HK$125,529
−HK$3,847/mo
Today · 4.125%
HK$129,376
baseline
▲ 0.50% · 4.625%
HK$137,248
+HK$7,872/mo
Deposit HK$2.97M · loan HK$26.69M · min. income ≈ HK$258,752/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,260,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,437
−HK$7,317/mo
▼ 0.25% · 3.875%
HK$139,069
−HK$3,685/mo
Today · 4.125%
HK$142,754
baseline
▲ 0.50% · 4.625%
HK$150,279
+HK$7,525/mo
Deposit HK$2.97M · loan HK$26.69M · min. income ≈ HK$285,508/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,260,587 · Scale 2, in force from 26 Feb 2026)