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$67,596
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$69,699
−HK$2,136/mo
Today · 4.125%
HK$71,835
baseline
▲ 0.50% · 4.625%
HK$76,206
+HK$4,371/mo
Deposit HK$14.82M · loan HK$14.82M · min. income ≈ HK$143,670/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,259,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,200
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$77,217
−HK$2,046/mo
Today · 4.125%
HK$79,263
baseline
▲ 0.50% · 4.625%
HK$83,441
+HK$4,178/mo
Deposit HK$14.82M · loan HK$14.82M · min. income ≈ HK$158,526/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,259,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,115
−HK$5,087/mo
▼ 0.25% · 3.875%
HK$83,639
−HK$2,563/mo
Today · 4.125%
HK$86,202
baseline
▲ 0.50% · 4.625%
HK$91,447
+HK$5,245/mo
Deposit HK$11.86M · loan HK$17.79M · min. income ≈ HK$172,404/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,259,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,240
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$92,660
−HK$2,455/mo
Today · 4.125%
HK$95,115
baseline
▲ 0.50% · 4.625%
HK$100,129
+HK$5,014/mo
Deposit HK$11.86M · loan HK$17.79M · min. income ≈ HK$190,230/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,259,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,635
−HK$5,934/mo
▼ 0.25% · 3.875%
HK$97,578
−HK$2,991/mo
Today · 4.125%
HK$100,569
baseline
▲ 0.50% · 4.625%
HK$106,688
+HK$6,119/mo
Deposit HK$8.89M · loan HK$20.75M · min. income ≈ HK$201,138/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,259,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,280
−HK$5,688/mo
▼ 0.25% · 3.875%
HK$108,104
−HK$2,864/mo
Today · 4.125%
HK$110,968
baseline
▲ 0.50% · 4.625%
HK$116,817
+HK$5,849/mo
Deposit HK$8.89M · loan HK$20.75M · min. income ≈ HK$221,936/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,259,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,673
−HK$7,630/mo
▼ 0.25% · 3.875%
HK$125,458
−HK$3,845/mo
Today · 4.125%
HK$129,303
baseline
▲ 0.50% · 4.625%
HK$137,171
+HK$7,868/mo
Deposit HK$2.96M · loan HK$26.68M · min. income ≈ HK$258,606/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,259,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,360
−HK$7,313/mo
▼ 0.25% · 3.875%
HK$138,990
−HK$3,683/mo
Today · 4.125%
HK$142,673
baseline
▲ 0.50% · 4.625%
HK$150,194
+HK$7,521/mo
Deposit HK$2.96M · loan HK$26.68M · min. income ≈ HK$285,346/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,259,874 · Scale 2, in force from 26 Feb 2026)