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$67,797
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$69,906
−HK$2,142/mo
Today · 4.125%
HK$72,048
baseline
▲ 0.50% · 4.625%
HK$76,432
+HK$4,384/mo
Deposit HK$14.87M · loan HK$14.87M · min. income ≈ HK$144,096/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,263,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,423
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$77,446
−HK$2,052/mo
Today · 4.125%
HK$79,498
baseline
▲ 0.50% · 4.625%
HK$83,689
+HK$4,191/mo
Deposit HK$14.87M · loan HK$14.87M · min. income ≈ HK$158,996/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,263,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,356
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$83,887
−HK$2,571/mo
Today · 4.125%
HK$86,458
baseline
▲ 0.50% · 4.625%
HK$91,719
+HK$5,261/mo
Deposit HK$11.89M · loan HK$17.84M · min. income ≈ HK$172,916/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,263,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,508
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$92,935
−HK$2,463/mo
Today · 4.125%
HK$95,398
baseline
▲ 0.50% · 4.625%
HK$100,426
+HK$5,028/mo
Deposit HK$11.89M · loan HK$17.84M · min. income ≈ HK$190,796/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,263,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,916
−HK$5,952/mo
▼ 0.25% · 3.875%
HK$97,868
−HK$3,000/mo
Today · 4.125%
HK$100,868
baseline
▲ 0.50% · 4.625%
HK$107,005
+HK$6,137/mo
Deposit HK$8.92M · loan HK$20.81M · min. income ≈ HK$201,736/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,263,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,593
−HK$5,704/mo
▼ 0.25% · 3.875%
HK$108,425
−HK$2,872/mo
Today · 4.125%
HK$111,297
baseline
▲ 0.50% · 4.625%
HK$117,164
+HK$5,867/mo
Deposit HK$8.92M · loan HK$20.81M · min. income ≈ HK$222,594/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,263,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,034
−HK$7,653/mo
▼ 0.25% · 3.875%
HK$125,830
−HK$3,857/mo
Today · 4.125%
HK$129,687
baseline
▲ 0.50% · 4.625%
HK$137,578
+HK$7,891/mo
Deposit HK$2.97M · loan HK$26.76M · min. income ≈ HK$259,374/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,263,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,762
−HK$7,335/mo
▼ 0.25% · 3.875%
HK$139,403
−HK$3,694/mo
Today · 4.125%
HK$143,097
baseline
▲ 0.50% · 4.625%
HK$150,639
+HK$7,542/mo
Deposit HK$2.97M · loan HK$26.76M · min. income ≈ HK$286,194/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,263,615 · Scale 2, in force from 26 Feb 2026)