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$67,786
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$69,894
−HK$2,143/mo
Today · 4.125%
HK$72,037
baseline
▲ 0.50% · 4.625%
HK$76,420
+HK$4,383/mo
Deposit HK$14.86M · loan HK$14.86M · min. income ≈ HK$144,074/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,263,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,411
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$77,434
−HK$2,051/mo
Today · 4.125%
HK$79,485
baseline
▲ 0.50% · 4.625%
HK$83,675
+HK$4,190/mo
Deposit HK$14.86M · loan HK$14.86M · min. income ≈ HK$158,970/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,263,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,343
−HK$5,101/mo
▼ 0.25% · 3.875%
HK$83,873
−HK$2,571/mo
Today · 4.125%
HK$86,444
baseline
▲ 0.50% · 4.625%
HK$91,704
+HK$5,260/mo
Deposit HK$11.89M · loan HK$17.84M · min. income ≈ HK$172,888/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,263,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,493
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$92,920
−HK$2,462/mo
Today · 4.125%
HK$95,382
baseline
▲ 0.50% · 4.625%
HK$100,410
+HK$5,028/mo
Deposit HK$11.89M · loan HK$17.84M · min. income ≈ HK$190,764/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,263,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,900
−HK$5,951/mo
▼ 0.25% · 3.875%
HK$97,852
−HK$2,999/mo
Today · 4.125%
HK$100,851
baseline
▲ 0.50% · 4.625%
HK$106,988
+HK$6,137/mo
Deposit HK$8.92M · loan HK$20.81M · min. income ≈ HK$201,702/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,263,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,576
−HK$5,703/mo
▼ 0.25% · 3.875%
HK$108,407
−HK$2,872/mo
Today · 4.125%
HK$111,279
baseline
▲ 0.50% · 4.625%
HK$117,145
+HK$5,866/mo
Deposit HK$8.92M · loan HK$20.81M · min. income ≈ HK$222,558/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,263,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,015
−HK$7,651/mo
▼ 0.25% · 3.875%
HK$125,810
−HK$3,856/mo
Today · 4.125%
HK$129,666
baseline
▲ 0.50% · 4.625%
HK$137,556
+HK$7,890/mo
Deposit HK$2.97M · loan HK$26.75M · min. income ≈ HK$259,332/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,263,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,740
−HK$7,334/mo
▼ 0.25% · 3.875%
HK$139,380
−HK$3,694/mo
Today · 4.125%
HK$143,074
baseline
▲ 0.50% · 4.625%
HK$150,615
+HK$7,541/mo
Deposit HK$2.97M · loan HK$26.75M · min. income ≈ HK$286,148/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,263,410 · Scale 2, in force from 26 Feb 2026)