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$67,852
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$69,962
−HK$2,144/mo
Today · 4.125%
HK$72,106
baseline
▲ 0.50% · 4.625%
HK$76,494
+HK$4,388/mo
Deposit HK$14.88M · loan HK$14.88M · min. income ≈ HK$144,212/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,264,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,484
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$77,509
−HK$2,053/mo
Today · 4.125%
HK$79,562
baseline
▲ 0.50% · 4.625%
HK$83,756
+HK$4,194/mo
Deposit HK$14.88M · loan HK$14.88M · min. income ≈ HK$159,124/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,264,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,422
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$83,955
−HK$2,573/mo
Today · 4.125%
HK$86,528
baseline
▲ 0.50% · 4.625%
HK$91,793
+HK$5,265/mo
Deposit HK$11.90M · loan HK$17.85M · min. income ≈ HK$173,056/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,264,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,581
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$93,010
−HK$2,465/mo
Today · 4.125%
HK$95,475
baseline
▲ 0.50% · 4.625%
HK$100,507
+HK$5,032/mo
Deposit HK$11.90M · loan HK$17.85M · min. income ≈ HK$190,950/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,264,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,992
−HK$5,957/mo
▼ 0.25% · 3.875%
HK$97,947
−HK$3,002/mo
Today · 4.125%
HK$100,949
baseline
▲ 0.50% · 4.625%
HK$107,092
+HK$6,143/mo
Deposit HK$8.93M · loan HK$20.83M · min. income ≈ HK$201,898/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,264,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,678
−HK$5,709/mo
▼ 0.25% · 3.875%
HK$108,512
−HK$2,875/mo
Today · 4.125%
HK$111,387
baseline
▲ 0.50% · 4.625%
HK$117,259
+HK$5,872/mo
Deposit HK$8.93M · loan HK$20.83M · min. income ≈ HK$222,774/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,264,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,133
−HK$7,659/mo
▼ 0.25% · 3.875%
HK$125,932
−HK$3,860/mo
Today · 4.125%
HK$129,792
baseline
▲ 0.50% · 4.625%
HK$137,689
+HK$7,897/mo
Deposit HK$2.98M · loan HK$26.78M · min. income ≈ HK$259,584/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,264,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,872
−HK$7,340/mo
▼ 0.25% · 3.875%
HK$139,516
−HK$3,696/mo
Today · 4.125%
HK$143,212
baseline
▲ 0.50% · 4.625%
HK$150,761
+HK$7,549/mo
Deposit HK$2.98M · loan HK$26.78M · min. income ≈ HK$286,424/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,264,635 · Scale 2, in force from 26 Feb 2026)