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$67,795
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$69,903
−HK$2,143/mo
Today · 4.125%
HK$72,046
baseline
▲ 0.50% · 4.625%
HK$76,430
+HK$4,384/mo
Deposit HK$14.87M · loan HK$14.87M · min. income ≈ HK$144,092/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,263,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,421
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$77,444
−HK$2,052/mo
Today · 4.125%
HK$79,496
baseline
▲ 0.50% · 4.625%
HK$83,686
+HK$4,190/mo
Deposit HK$14.87M · loan HK$14.87M · min. income ≈ HK$158,992/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,263,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,354
−HK$5,101/mo
▼ 0.25% · 3.875%
HK$83,884
−HK$2,571/mo
Today · 4.125%
HK$86,455
baseline
▲ 0.50% · 4.625%
HK$91,716
+HK$5,261/mo
Deposit HK$11.89M · loan HK$17.84M · min. income ≈ HK$172,910/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,263,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,505
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$92,932
−HK$2,463/mo
Today · 4.125%
HK$95,395
baseline
▲ 0.50% · 4.625%
HK$100,423
+HK$5,028/mo
Deposit HK$11.89M · loan HK$17.84M · min. income ≈ HK$190,790/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,263,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,912
−HK$5,952/mo
▼ 0.25% · 3.875%
HK$97,865
−HK$2,999/mo
Today · 4.125%
HK$100,864
baseline
▲ 0.50% · 4.625%
HK$107,002
+HK$6,138/mo
Deposit HK$8.92M · loan HK$20.81M · min. income ≈ HK$201,728/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,263,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,589
−HK$5,705/mo
▼ 0.25% · 3.875%
HK$108,421
−HK$2,873/mo
Today · 4.125%
HK$111,294
baseline
▲ 0.50% · 4.625%
HK$117,160
+HK$5,866/mo
Deposit HK$8.92M · loan HK$20.81M · min. income ≈ HK$222,588/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,263,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,030
−HK$7,653/mo
▼ 0.25% · 3.875%
HK$125,826
−HK$3,857/mo
Today · 4.125%
HK$129,683
baseline
▲ 0.50% · 4.625%
HK$137,574
+HK$7,891/mo
Deposit HK$2.97M · loan HK$26.76M · min. income ≈ HK$259,366/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,263,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,757
−HK$7,335/mo
▼ 0.25% · 3.875%
HK$139,398
−HK$3,694/mo
Today · 4.125%
HK$143,092
baseline
▲ 0.50% · 4.625%
HK$150,635
+HK$7,543/mo
Deposit HK$2.97M · loan HK$26.76M · min. income ≈ HK$286,184/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,263,573 · Scale 2, in force from 26 Feb 2026)