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$67,568
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$69,669
−HK$2,136/mo
Today · 4.125%
HK$71,805
baseline
▲ 0.50% · 4.625%
HK$76,174
+HK$4,369/mo
Deposit HK$14.82M · loan HK$14.82M · min. income ≈ HK$143,610/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,259,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,168
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$77,184
−HK$2,045/mo
Today · 4.125%
HK$79,229
baseline
▲ 0.50% · 4.625%
HK$83,406
+HK$4,177/mo
Deposit HK$14.82M · loan HK$14.82M · min. income ≈ HK$158,458/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,259,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,081
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$83,603
−HK$2,563/mo
Today · 4.125%
HK$86,166
baseline
▲ 0.50% · 4.625%
HK$91,409
+HK$5,243/mo
Deposit HK$11.85M · loan HK$17.78M · min. income ≈ HK$172,332/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,259,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,202
−HK$4,873/mo
▼ 0.25% · 3.875%
HK$92,621
−HK$2,454/mo
Today · 4.125%
HK$95,075
baseline
▲ 0.50% · 4.625%
HK$100,087
+HK$5,012/mo
Deposit HK$11.85M · loan HK$17.78M · min. income ≈ HK$190,150/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,259,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,595
−HK$5,932/mo
▼ 0.25% · 3.875%
HK$97,537
−HK$2,990/mo
Today · 4.125%
HK$100,527
baseline
▲ 0.50% · 4.625%
HK$106,643
+HK$6,116/mo
Deposit HK$8.89M · loan HK$20.74M · min. income ≈ HK$201,054/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,259,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,236
−HK$5,685/mo
▼ 0.25% · 3.875%
HK$108,058
−HK$2,863/mo
Today · 4.125%
HK$110,921
baseline
▲ 0.50% · 4.625%
HK$116,768
+HK$5,847/mo
Deposit HK$8.89M · loan HK$20.74M · min. income ≈ HK$221,842/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,259,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,622
−HK$7,626/mo
▼ 0.25% · 3.875%
HK$125,405
−HK$3,843/mo
Today · 4.125%
HK$129,248
baseline
▲ 0.50% · 4.625%
HK$137,113
+HK$7,865/mo
Deposit HK$2.96M · loan HK$26.67M · min. income ≈ HK$258,496/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,259,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,303
−HK$7,310/mo
▼ 0.25% · 3.875%
HK$138,932
−HK$3,681/mo
Today · 4.125%
HK$142,613
baseline
▲ 0.50% · 4.625%
HK$150,130
+HK$7,517/mo
Deposit HK$2.96M · loan HK$26.67M · min. income ≈ HK$285,226/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,259,342 · Scale 2, in force from 26 Feb 2026)