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$67,666
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$69,771
−HK$2,139/mo
Today · 4.125%
HK$71,910
baseline
▲ 0.50% · 4.625%
HK$76,285
+HK$4,375/mo
Deposit HK$14.84M · loan HK$14.84M · min. income ≈ HK$143,820/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,261,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,278
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$77,297
−HK$2,048/mo
Today · 4.125%
HK$79,345
baseline
▲ 0.50% · 4.625%
HK$83,528
+HK$4,183/mo
Deposit HK$14.84M · loan HK$14.84M · min. income ≈ HK$158,690/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,261,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,200
−HK$5,092/mo
▼ 0.25% · 3.875%
HK$83,725
−HK$2,567/mo
Today · 4.125%
HK$86,292
baseline
▲ 0.50% · 4.625%
HK$91,542
+HK$5,250/mo
Deposit HK$11.87M · loan HK$17.80M · min. income ≈ HK$172,584/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,261,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,334
−HK$4,880/mo
▼ 0.25% · 3.875%
HK$92,757
−HK$2,457/mo
Today · 4.125%
HK$95,214
baseline
▲ 0.50% · 4.625%
HK$100,233
+HK$5,019/mo
Deposit HK$11.87M · loan HK$17.80M · min. income ≈ HK$190,428/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,261,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,733
−HK$5,941/mo
▼ 0.25% · 3.875%
HK$97,680
−HK$2,994/mo
Today · 4.125%
HK$100,674
baseline
▲ 0.50% · 4.625%
HK$106,799
+HK$6,125/mo
Deposit HK$8.90M · loan HK$20.77M · min. income ≈ HK$201,348/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,261,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,389
−HK$5,694/mo
▼ 0.25% · 3.875%
HK$108,216
−HK$2,867/mo
Today · 4.125%
HK$111,083
baseline
▲ 0.50% · 4.625%
HK$116,939
+HK$5,856/mo
Deposit HK$8.90M · loan HK$20.77M · min. income ≈ HK$222,166/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,261,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,799
−HK$7,638/mo
▼ 0.25% · 3.875%
HK$125,588
−HK$3,849/mo
Today · 4.125%
HK$129,437
baseline
▲ 0.50% · 4.625%
HK$137,313
+HK$7,876/mo
Deposit HK$2.97M · loan HK$26.71M · min. income ≈ HK$258,874/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,261,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,501
−HK$7,320/mo
▼ 0.25% · 3.875%
HK$139,135
−HK$3,686/mo
Today · 4.125%
HK$142,821
baseline
▲ 0.50% · 4.625%
HK$150,350
+HK$7,529/mo
Deposit HK$2.97M · loan HK$26.71M · min. income ≈ HK$285,642/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,261,184 · Scale 2, in force from 26 Feb 2026)