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$67,554
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$69,655
−HK$2,135/mo
Today · 4.125%
HK$71,790
baseline
▲ 0.50% · 4.625%
HK$76,158
+HK$4,368/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$143,580/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,259,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,153
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$77,168
−HK$2,045/mo
Today · 4.125%
HK$79,213
baseline
▲ 0.50% · 4.625%
HK$83,389
+HK$4,176/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$158,426/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,259,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,065
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$83,586
−HK$2,562/mo
Today · 4.125%
HK$86,148
baseline
▲ 0.50% · 4.625%
HK$91,390
+HK$5,242/mo
Deposit HK$11.85M · loan HK$17.78M · min. income ≈ HK$172,296/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,259,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,183
−HK$4,873/mo
▼ 0.25% · 3.875%
HK$92,602
−HK$2,454/mo
Today · 4.125%
HK$95,056
baseline
▲ 0.50% · 4.625%
HK$100,066
+HK$5,010/mo
Deposit HK$11.85M · loan HK$17.78M · min. income ≈ HK$190,112/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,259,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,575
−HK$5,931/mo
▼ 0.25% · 3.875%
HK$97,517
−HK$2,989/mo
Today · 4.125%
HK$100,506
baseline
▲ 0.50% · 4.625%
HK$106,622
+HK$6,116/mo
Deposit HK$8.89M · loan HK$20.74M · min. income ≈ HK$201,012/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,259,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,214
−HK$5,684/mo
▼ 0.25% · 3.875%
HK$108,036
−HK$2,862/mo
Today · 4.125%
HK$110,898
baseline
▲ 0.50% · 4.625%
HK$116,744
+HK$5,846/mo
Deposit HK$8.89M · loan HK$20.74M · min. income ≈ HK$221,796/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,259,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,597
−HK$7,625/mo
▼ 0.25% · 3.875%
HK$125,379
−HK$3,843/mo
Today · 4.125%
HK$129,222
baseline
▲ 0.50% · 4.625%
HK$137,085
+HK$7,863/mo
Deposit HK$2.96M · loan HK$26.66M · min. income ≈ HK$258,444/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,259,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,275
−HK$7,309/mo
▼ 0.25% · 3.875%
HK$138,903
−HK$3,681/mo
Today · 4.125%
HK$142,584
baseline
▲ 0.50% · 4.625%
HK$150,099
+HK$7,515/mo
Deposit HK$2.96M · loan HK$26.66M · min. income ≈ HK$285,168/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,259,085 · Scale 2, in force from 26 Feb 2026)