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$67,631
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$69,735
−HK$2,137/mo
Today · 4.125%
HK$71,872
baseline
▲ 0.50% · 4.625%
HK$76,245
+HK$4,373/mo
Deposit HK$14.83M · loan HK$14.83M · min. income ≈ HK$143,744/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,260,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,239
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$77,257
−HK$2,047/mo
Today · 4.125%
HK$79,304
baseline
▲ 0.50% · 4.625%
HK$83,484
+HK$4,180/mo
Deposit HK$14.83M · loan HK$14.83M · min. income ≈ HK$158,608/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,260,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,157
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$83,682
−HK$2,564/mo
Today · 4.125%
HK$86,246
baseline
▲ 0.50% · 4.625%
HK$91,494
+HK$5,248/mo
Deposit HK$11.86M · loan HK$17.80M · min. income ≈ HK$172,492/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,260,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,287
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$92,708
−HK$2,456/mo
Today · 4.125%
HK$95,164
baseline
▲ 0.50% · 4.625%
HK$100,181
+HK$5,017/mo
Deposit HK$11.86M · loan HK$17.80M · min. income ≈ HK$190,328/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,260,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,683
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$97,629
−HK$2,992/mo
Today · 4.125%
HK$100,621
baseline
▲ 0.50% · 4.625%
HK$106,743
+HK$6,122/mo
Deposit HK$8.90M · loan HK$20.76M · min. income ≈ HK$201,242/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,260,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,334
−HK$5,691/mo
▼ 0.25% · 3.875%
HK$108,159
−HK$2,866/mo
Today · 4.125%
HK$111,025
baseline
▲ 0.50% · 4.625%
HK$116,877
+HK$5,852/mo
Deposit HK$8.90M · loan HK$20.76M · min. income ≈ HK$222,050/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,260,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,736
−HK$7,634/mo
▼ 0.25% · 3.875%
HK$125,522
−HK$3,848/mo
Today · 4.125%
HK$129,370
baseline
▲ 0.50% · 4.625%
HK$137,242
+HK$7,872/mo
Deposit HK$2.97M · loan HK$26.69M · min. income ≈ HK$258,740/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,260,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,430
−HK$7,317/mo
▼ 0.25% · 3.875%
HK$139,062
−HK$3,685/mo
Today · 4.125%
HK$142,747
baseline
▲ 0.50% · 4.625%
HK$150,271
+HK$7,524/mo
Deposit HK$2.97M · loan HK$26.69M · min. income ≈ HK$285,494/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,260,524 · Scale 2, in force from 26 Feb 2026)