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$67,643
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$69,747
−HK$2,138/mo
Today · 4.125%
HK$71,885
baseline
▲ 0.50% · 4.625%
HK$76,259
+HK$4,374/mo
Deposit HK$14.83M · loan HK$14.83M · min. income ≈ HK$143,770/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,260,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,252
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$77,271
−HK$2,047/mo
Today · 4.125%
HK$79,318
baseline
▲ 0.50% · 4.625%
HK$83,499
+HK$4,181/mo
Deposit HK$14.83M · loan HK$14.83M · min. income ≈ HK$158,636/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,260,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,172
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$83,697
−HK$2,565/mo
Today · 4.125%
HK$86,262
baseline
▲ 0.50% · 4.625%
HK$91,511
+HK$5,249/mo
Deposit HK$11.87M · loan HK$17.80M · min. income ≈ HK$172,524/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,260,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,303
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$92,725
−HK$2,457/mo
Today · 4.125%
HK$95,182
baseline
▲ 0.50% · 4.625%
HK$100,199
+HK$5,017/mo
Deposit HK$11.87M · loan HK$17.80M · min. income ≈ HK$190,364/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,260,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,701
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$97,646
−HK$2,993/mo
Today · 4.125%
HK$100,639
baseline
▲ 0.50% · 4.625%
HK$106,763
+HK$6,124/mo
Deposit HK$8.90M · loan HK$20.77M · min. income ≈ HK$201,278/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,260,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,353
−HK$5,692/mo
▼ 0.25% · 3.875%
HK$108,179
−HK$2,866/mo
Today · 4.125%
HK$111,045
baseline
▲ 0.50% · 4.625%
HK$116,899
+HK$5,854/mo
Deposit HK$8.90M · loan HK$20.77M · min. income ≈ HK$222,090/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,260,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,758
−HK$7,635/mo
▼ 0.25% · 3.875%
HK$125,545
−HK$3,848/mo
Today · 4.125%
HK$129,393
baseline
▲ 0.50% · 4.625%
HK$137,266
+HK$7,873/mo
Deposit HK$2.97M · loan HK$26.70M · min. income ≈ HK$258,786/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,260,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,454
−HK$7,319/mo
▼ 0.25% · 3.875%
HK$139,087
−HK$3,686/mo
Today · 4.125%
HK$142,773
baseline
▲ 0.50% · 4.625%
HK$150,298
+HK$7,525/mo
Deposit HK$2.97M · loan HK$26.70M · min. income ≈ HK$285,546/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,260,753 · Scale 2, in force from 26 Feb 2026)