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$67,794
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$69,903
−HK$2,143/mo
Today · 4.125%
HK$72,046
baseline
▲ 0.50% · 4.625%
HK$76,429
+HK$4,383/mo
Deposit HK$14.87M · loan HK$14.87M · min. income ≈ HK$144,092/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,263,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,420
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$77,443
−HK$2,052/mo
Today · 4.125%
HK$79,495
baseline
▲ 0.50% · 4.625%
HK$83,685
+HK$4,190/mo
Deposit HK$14.87M · loan HK$14.87M · min. income ≈ HK$158,990/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,263,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,353
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$83,884
−HK$2,571/mo
Today · 4.125%
HK$86,455
baseline
▲ 0.50% · 4.625%
HK$91,715
+HK$5,260/mo
Deposit HK$11.89M · loan HK$17.84M · min. income ≈ HK$172,910/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,263,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,504
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$92,932
−HK$2,462/mo
Today · 4.125%
HK$95,394
baseline
▲ 0.50% · 4.625%
HK$100,422
+HK$5,028/mo
Deposit HK$11.89M · loan HK$17.84M · min. income ≈ HK$190,788/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,263,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,912
−HK$5,952/mo
▼ 0.25% · 3.875%
HK$97,864
−HK$3,000/mo
Today · 4.125%
HK$100,864
baseline
▲ 0.50% · 4.625%
HK$107,001
+HK$6,137/mo
Deposit HK$8.92M · loan HK$20.81M · min. income ≈ HK$201,728/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,263,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,589
−HK$5,704/mo
▼ 0.25% · 3.875%
HK$108,420
−HK$2,873/mo
Today · 4.125%
HK$111,293
baseline
▲ 0.50% · 4.625%
HK$117,160
+HK$5,867/mo
Deposit HK$8.92M · loan HK$20.81M · min. income ≈ HK$222,586/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,263,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,030
−HK$7,652/mo
▼ 0.25% · 3.875%
HK$125,825
−HK$3,857/mo
Today · 4.125%
HK$129,682
baseline
▲ 0.50% · 4.625%
HK$137,573
+HK$7,891/mo
Deposit HK$2.97M · loan HK$26.76M · min. income ≈ HK$259,364/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,263,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,757
−HK$7,334/mo
▼ 0.25% · 3.875%
HK$139,398
−HK$3,693/mo
Today · 4.125%
HK$143,091
baseline
▲ 0.50% · 4.625%
HK$150,634
+HK$7,543/mo
Deposit HK$2.97M · loan HK$26.76M · min. income ≈ HK$286,182/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,263,566 · Scale 2, in force from 26 Feb 2026)