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$67,522
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$69,622
−HK$2,134/mo
Today · 4.125%
HK$71,756
baseline
▲ 0.50% · 4.625%
HK$76,122
+HK$4,366/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$143,512/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,258,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,118
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$77,132
−HK$2,044/mo
Today · 4.125%
HK$79,176
baseline
▲ 0.50% · 4.625%
HK$83,349
+HK$4,173/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$158,352/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,258,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,026
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$83,547
−HK$2,560/mo
Today · 4.125%
HK$86,107
baseline
▲ 0.50% · 4.625%
HK$91,347
+HK$5,240/mo
Deposit HK$11.84M · loan HK$17.77M · min. income ≈ HK$172,214/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,258,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,141
−HK$4,870/mo
▼ 0.25% · 3.875%
HK$92,559
−HK$2,452/mo
Today · 4.125%
HK$95,011
baseline
▲ 0.50% · 4.625%
HK$100,019
+HK$5,008/mo
Deposit HK$11.84M · loan HK$17.77M · min. income ≈ HK$190,022/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,258,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,531
−HK$5,928/mo
▼ 0.25% · 3.875%
HK$97,471
−HK$2,988/mo
Today · 4.125%
HK$100,459
baseline
▲ 0.50% · 4.625%
HK$106,571
+HK$6,112/mo
Deposit HK$8.88M · loan HK$20.73M · min. income ≈ HK$200,918/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,165
−HK$5,681/mo
▼ 0.25% · 3.875%
HK$107,985
−HK$2,861/mo
Today · 4.125%
HK$110,846
baseline
▲ 0.50% · 4.625%
HK$116,689
+HK$5,843/mo
Deposit HK$8.88M · loan HK$20.73M · min. income ≈ HK$221,692/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,540
−HK$7,621/mo
▼ 0.25% · 3.875%
HK$125,320
−HK$3,841/mo
Today · 4.125%
HK$129,161
baseline
▲ 0.50% · 4.625%
HK$137,020
+HK$7,859/mo
Deposit HK$2.96M · loan HK$26.65M · min. income ≈ HK$258,322/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,212
−HK$7,305/mo
▼ 0.25% · 3.875%
HK$138,838
−HK$3,679/mo
Today · 4.125%
HK$142,517
baseline
▲ 0.50% · 4.625%
HK$150,029
+HK$7,512/mo
Deposit HK$2.96M · loan HK$26.65M · min. income ≈ HK$285,034/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,493 · Scale 2, in force from 26 Feb 2026)