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$67,413
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$69,510
−HK$2,131/mo
Today · 4.125%
HK$71,641
baseline
▲ 0.50% · 4.625%
HK$76,000
+HK$4,359/mo
Deposit HK$14.78M · loan HK$14.78M · min. income ≈ HK$143,282/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,256,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,997
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$77,008
−HK$2,041/mo
Today · 4.125%
HK$79,049
baseline
▲ 0.50% · 4.625%
HK$83,215
+HK$4,166/mo
Deposit HK$14.78M · loan HK$14.78M · min. income ≈ HK$158,098/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,256,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,896
−HK$5,073/mo
▼ 0.25% · 3.875%
HK$83,412
−HK$2,557/mo
Today · 4.125%
HK$85,969
baseline
▲ 0.50% · 4.625%
HK$91,200
+HK$5,231/mo
Deposit HK$11.83M · loan HK$17.74M · min. income ≈ HK$171,938/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,256,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,996
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$92,410
−HK$2,448/mo
Today · 4.125%
HK$94,858
baseline
▲ 0.50% · 4.625%
HK$99,858
+HK$5,000/mo
Deposit HK$11.83M · loan HK$17.74M · min. income ≈ HK$189,716/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,256,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,379
−HK$5,918/mo
▼ 0.25% · 3.875%
HK$97,314
−HK$2,983/mo
Today · 4.125%
HK$100,297
baseline
▲ 0.50% · 4.625%
HK$106,400
+HK$6,103/mo
Deposit HK$8.87M · loan HK$20.69M · min. income ≈ HK$200,594/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,256,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,995
−HK$5,673/mo
▼ 0.25% · 3.875%
HK$107,811
−HK$2,857/mo
Today · 4.125%
HK$110,668
baseline
▲ 0.50% · 4.625%
HK$116,501
+HK$5,833/mo
Deposit HK$8.87M · loan HK$20.69M · min. income ≈ HK$221,336/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,256,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,344
−HK$7,609/mo
▼ 0.25% · 3.875%
HK$125,119
−HK$3,834/mo
Today · 4.125%
HK$128,953
baseline
▲ 0.50% · 4.625%
HK$136,800
+HK$7,847/mo
Deposit HK$2.96M · loan HK$26.61M · min. income ≈ HK$257,906/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,256,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,994
−HK$7,293/mo
▼ 0.25% · 3.875%
HK$138,615
−HK$3,672/mo
Today · 4.125%
HK$142,287
baseline
▲ 0.50% · 4.625%
HK$149,788
+HK$7,501/mo
Deposit HK$2.96M · loan HK$26.61M · min. income ≈ HK$284,574/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,256,468 · Scale 2, in force from 26 Feb 2026)