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$67,802
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$69,911
−HK$2,142/mo
Today · 4.125%
HK$72,053
baseline
▲ 0.50% · 4.625%
HK$76,438
+HK$4,385/mo
Deposit HK$14.87M · loan HK$14.87M · min. income ≈ HK$144,106/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,263,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,429
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$77,452
−HK$2,052/mo
Today · 4.125%
HK$79,504
baseline
▲ 0.50% · 4.625%
HK$83,695
+HK$4,191/mo
Deposit HK$14.87M · loan HK$14.87M · min. income ≈ HK$159,008/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,263,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,362
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$83,893
−HK$2,571/mo
Today · 4.125%
HK$86,464
baseline
▲ 0.50% · 4.625%
HK$91,725
+HK$5,261/mo
Deposit HK$11.89M · loan HK$17.84M · min. income ≈ HK$172,928/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,263,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,514
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$92,942
−HK$2,463/mo
Today · 4.125%
HK$95,405
baseline
▲ 0.50% · 4.625%
HK$100,434
+HK$5,029/mo
Deposit HK$11.89M · loan HK$17.84M · min. income ≈ HK$190,810/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,263,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,922
−HK$5,953/mo
▼ 0.25% · 3.875%
HK$97,875
−HK$3,000/mo
Today · 4.125%
HK$100,875
baseline
▲ 0.50% · 4.625%
HK$107,013
+HK$6,138/mo
Deposit HK$8.92M · loan HK$20.81M · min. income ≈ HK$201,750/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,263,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,600
−HK$5,705/mo
▼ 0.25% · 3.875%
HK$108,432
−HK$2,873/mo
Today · 4.125%
HK$111,305
baseline
▲ 0.50% · 4.625%
HK$117,172
+HK$5,867/mo
Deposit HK$8.92M · loan HK$20.81M · min. income ≈ HK$222,610/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,263,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,043
−HK$7,653/mo
▼ 0.25% · 3.875%
HK$125,839
−HK$3,857/mo
Today · 4.125%
HK$129,696
baseline
▲ 0.50% · 4.625%
HK$137,588
+HK$7,892/mo
Deposit HK$2.97M · loan HK$26.76M · min. income ≈ HK$259,392/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,263,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,772
−HK$7,335/mo
▼ 0.25% · 3.875%
HK$139,413
−HK$3,694/mo
Today · 4.125%
HK$143,107
baseline
▲ 0.50% · 4.625%
HK$150,650
+HK$7,543/mo
Deposit HK$2.97M · loan HK$26.76M · min. income ≈ HK$286,214/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,263,705 · Scale 2, in force from 26 Feb 2026)