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$67,593
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$69,696
−HK$2,136/mo
Today · 4.125%
HK$71,832
baseline
▲ 0.50% · 4.625%
HK$76,202
+HK$4,370/mo
Deposit HK$14.82M · loan HK$14.82M · min. income ≈ HK$143,664/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,259,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,197
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$77,213
−HK$2,046/mo
Today · 4.125%
HK$79,259
baseline
▲ 0.50% · 4.625%
HK$83,437
+HK$4,178/mo
Deposit HK$14.82M · loan HK$14.82M · min. income ≈ HK$158,518/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,259,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,112
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$83,635
−HK$2,563/mo
Today · 4.125%
HK$86,198
baseline
▲ 0.50% · 4.625%
HK$91,443
+HK$5,245/mo
Deposit HK$11.86M · loan HK$17.79M · min. income ≈ HK$172,396/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,259,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,236
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$92,656
−HK$2,455/mo
Today · 4.125%
HK$95,111
baseline
▲ 0.50% · 4.625%
HK$100,124
+HK$5,013/mo
Deposit HK$11.86M · loan HK$17.79M · min. income ≈ HK$190,222/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,259,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,630
−HK$5,934/mo
▼ 0.25% · 3.875%
HK$97,574
−HK$2,990/mo
Today · 4.125%
HK$100,564
baseline
▲ 0.50% · 4.625%
HK$106,683
+HK$6,119/mo
Deposit HK$8.89M · loan HK$20.75M · min. income ≈ HK$201,128/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,259,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,275
−HK$5,688/mo
▼ 0.25% · 3.875%
HK$108,099
−HK$2,864/mo
Today · 4.125%
HK$110,963
baseline
▲ 0.50% · 4.625%
HK$116,812
+HK$5,849/mo
Deposit HK$8.89M · loan HK$20.75M · min. income ≈ HK$221,926/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,259,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,667
−HK$7,630/mo
▼ 0.25% · 3.875%
HK$125,452
−HK$3,845/mo
Today · 4.125%
HK$129,297
baseline
▲ 0.50% · 4.625%
HK$137,164
+HK$7,867/mo
Deposit HK$2.96M · loan HK$26.68M · min. income ≈ HK$258,594/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,259,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,354
−HK$7,312/mo
▼ 0.25% · 3.875%
HK$138,984
−HK$3,682/mo
Today · 4.125%
HK$142,666
baseline
▲ 0.50% · 4.625%
HK$150,187
+HK$7,521/mo
Deposit HK$2.96M · loan HK$26.68M · min. income ≈ HK$285,332/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,259,816 · Scale 2, in force from 26 Feb 2026)