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$67,535
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$69,635
−HK$2,135/mo
Today · 4.125%
HK$71,770
baseline
▲ 0.50% · 4.625%
HK$76,137
+HK$4,367/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$143,540/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,258,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,132
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$77,147
−HK$2,044/mo
Today · 4.125%
HK$79,191
baseline
▲ 0.50% · 4.625%
HK$83,365
+HK$4,174/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$158,382/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,258,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,042
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$83,562
−HK$2,562/mo
Today · 4.125%
HK$86,124
baseline
▲ 0.50% · 4.625%
HK$91,364
+HK$5,240/mo
Deposit HK$11.85M · loan HK$17.77M · min. income ≈ HK$172,248/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,258,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,158
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$92,576
−HK$2,453/mo
Today · 4.125%
HK$95,029
baseline
▲ 0.50% · 4.625%
HK$100,038
+HK$5,009/mo
Deposit HK$11.85M · loan HK$17.77M · min. income ≈ HK$190,058/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,258,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,548
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$97,489
−HK$2,988/mo
Today · 4.125%
HK$100,477
baseline
▲ 0.50% · 4.625%
HK$106,591
+HK$6,114/mo
Deposit HK$8.89M · loan HK$20.73M · min. income ≈ HK$200,954/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,184
−HK$5,683/mo
▼ 0.25% · 3.875%
HK$108,005
−HK$2,862/mo
Today · 4.125%
HK$110,867
baseline
▲ 0.50% · 4.625%
HK$116,711
+HK$5,844/mo
Deposit HK$8.89M · loan HK$20.73M · min. income ≈ HK$221,734/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,562
−HK$7,623/mo
▼ 0.25% · 3.875%
HK$125,344
−HK$3,841/mo
Today · 4.125%
HK$129,185
baseline
▲ 0.50% · 4.625%
HK$137,046
+HK$7,861/mo
Deposit HK$2.96M · loan HK$26.66M · min. income ≈ HK$258,370/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,237
−HK$7,306/mo
▼ 0.25% · 3.875%
HK$138,864
−HK$3,679/mo
Today · 4.125%
HK$142,543
baseline
▲ 0.50% · 4.625%
HK$150,057
+HK$7,514/mo
Deposit HK$2.96M · loan HK$26.66M · min. income ≈ HK$285,086/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,728 · Scale 2, in force from 26 Feb 2026)