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$67,651
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$69,755
−HK$2,138/mo
Today · 4.125%
HK$71,893
baseline
▲ 0.50% · 4.625%
HK$76,267
+HK$4,374/mo
Deposit HK$14.83M · loan HK$14.83M · min. income ≈ HK$143,786/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,260,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,261
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$77,279
−HK$2,048/mo
Today · 4.125%
HK$79,327
baseline
▲ 0.50% · 4.625%
HK$83,508
+HK$4,181/mo
Deposit HK$14.83M · loan HK$14.83M · min. income ≈ HK$158,654/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,260,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,181
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$83,706
−HK$2,565/mo
Today · 4.125%
HK$86,271
baseline
▲ 0.50% · 4.625%
HK$91,521
+HK$5,250/mo
Deposit HK$11.87M · loan HK$17.80M · min. income ≈ HK$172,542/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,260,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,313
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$92,735
−HK$2,457/mo
Today · 4.125%
HK$95,192
baseline
▲ 0.50% · 4.625%
HK$100,210
+HK$5,018/mo
Deposit HK$11.87M · loan HK$17.80M · min. income ≈ HK$190,384/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,260,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,711
−HK$5,939/mo
▼ 0.25% · 3.875%
HK$97,657
−HK$2,993/mo
Today · 4.125%
HK$100,650
baseline
▲ 0.50% · 4.625%
HK$106,774
+HK$6,124/mo
Deposit HK$8.90M · loan HK$20.77M · min. income ≈ HK$201,300/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,260,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,365
−HK$5,692/mo
▼ 0.25% · 3.875%
HK$108,191
−HK$2,866/mo
Today · 4.125%
HK$111,057
baseline
▲ 0.50% · 4.625%
HK$116,911
+HK$5,854/mo
Deposit HK$8.90M · loan HK$20.77M · min. income ≈ HK$222,114/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,260,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,771
−HK$7,636/mo
▼ 0.25% · 3.875%
HK$125,559
−HK$3,848/mo
Today · 4.125%
HK$129,407
baseline
▲ 0.50% · 4.625%
HK$137,281
+HK$7,874/mo
Deposit HK$2.97M · loan HK$26.70M · min. income ≈ HK$258,814/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,260,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,469
−HK$7,319/mo
▼ 0.25% · 3.875%
HK$139,102
−HK$3,686/mo
Today · 4.125%
HK$142,788
baseline
▲ 0.50% · 4.625%
HK$150,314
+HK$7,526/mo
Deposit HK$2.97M · loan HK$26.70M · min. income ≈ HK$285,576/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,260,888 · Scale 2, in force from 26 Feb 2026)