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$67,836
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$69,947
−HK$2,143/mo
Today · 4.125%
HK$72,090
baseline
▲ 0.50% · 4.625%
HK$76,477
+HK$4,387/mo
Deposit HK$14.87M · loan HK$14.87M · min. income ≈ HK$144,180/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,264,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,467
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$77,491
−HK$2,054/mo
Today · 4.125%
HK$79,545
baseline
▲ 0.50% · 4.625%
HK$83,738
+HK$4,193/mo
Deposit HK$14.87M · loan HK$14.87M · min. income ≈ HK$159,090/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,264,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,404
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$83,936
−HK$2,573/mo
Today · 4.125%
HK$86,509
baseline
▲ 0.50% · 4.625%
HK$91,772
+HK$5,263/mo
Deposit HK$11.90M · loan HK$17.85M · min. income ≈ HK$173,018/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,264,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,561
−HK$4,893/mo
▼ 0.25% · 3.875%
HK$92,990
−HK$2,464/mo
Today · 4.125%
HK$95,454
baseline
▲ 0.50% · 4.625%
HK$100,485
+HK$5,031/mo
Deposit HK$11.90M · loan HK$17.85M · min. income ≈ HK$190,908/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,264,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,971
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$97,925
−HK$3,002/mo
Today · 4.125%
HK$100,927
baseline
▲ 0.50% · 4.625%
HK$107,068
+HK$6,141/mo
Deposit HK$8.92M · loan HK$20.82M · min. income ≈ HK$201,854/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,264,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,654
−HK$5,709/mo
▼ 0.25% · 3.875%
HK$108,488
−HK$2,875/mo
Today · 4.125%
HK$111,363
baseline
▲ 0.50% · 4.625%
HK$117,233
+HK$5,870/mo
Deposit HK$8.92M · loan HK$20.82M · min. income ≈ HK$222,726/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,264,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,106
−HK$7,657/mo
▼ 0.25% · 3.875%
HK$125,904
−HK$3,859/mo
Today · 4.125%
HK$129,763
baseline
▲ 0.50% · 4.625%
HK$137,659
+HK$7,896/mo
Deposit HK$2.97M · loan HK$26.77M · min. income ≈ HK$259,526/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,264,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,841
−HK$7,339/mo
▼ 0.25% · 3.875%
HK$139,485
−HK$3,695/mo
Today · 4.125%
HK$143,180
baseline
▲ 0.50% · 4.625%
HK$150,728
+HK$7,548/mo
Deposit HK$2.97M · loan HK$26.77M · min. income ≈ HK$286,360/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,264,354 · Scale 2, in force from 26 Feb 2026)