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$67,609
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$69,712
−HK$2,136/mo
Today · 4.125%
HK$71,848
baseline
▲ 0.50% · 4.625%
HK$76,220
+HK$4,372/mo
Deposit HK$14.82M · loan HK$14.82M · min. income ≈ HK$143,696/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,260,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,214
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$77,231
−HK$2,046/mo
Today · 4.125%
HK$79,277
baseline
▲ 0.50% · 4.625%
HK$83,456
+HK$4,179/mo
Deposit HK$14.82M · loan HK$14.82M · min. income ≈ HK$158,554/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,260,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,130
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$83,654
−HK$2,564/mo
Today · 4.125%
HK$86,218
baseline
▲ 0.50% · 4.625%
HK$91,464
+HK$5,246/mo
Deposit HK$11.86M · loan HK$17.79M · min. income ≈ HK$172,436/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,260,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,257
−HK$4,876/mo
▼ 0.25% · 3.875%
HK$92,677
−HK$2,456/mo
Today · 4.125%
HK$95,133
baseline
▲ 0.50% · 4.625%
HK$100,147
+HK$5,014/mo
Deposit HK$11.86M · loan HK$17.79M · min. income ≈ HK$190,266/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,260,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,652
−HK$5,935/mo
▼ 0.25% · 3.875%
HK$97,596
−HK$2,991/mo
Today · 4.125%
HK$100,587
baseline
▲ 0.50% · 4.625%
HK$106,708
+HK$6,121/mo
Deposit HK$8.89M · loan HK$20.75M · min. income ≈ HK$201,174/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,260,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,299
−HK$5,689/mo
▼ 0.25% · 3.875%
HK$108,123
−HK$2,865/mo
Today · 4.125%
HK$110,988
baseline
▲ 0.50% · 4.625%
HK$116,839
+HK$5,851/mo
Deposit HK$8.89M · loan HK$20.75M · min. income ≈ HK$221,976/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,260,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,695
−HK$7,632/mo
▼ 0.25% · 3.875%
HK$125,481
−HK$3,846/mo
Today · 4.125%
HK$129,327
baseline
▲ 0.50% · 4.625%
HK$137,196
+HK$7,869/mo
Deposit HK$2.96M · loan HK$26.68M · min. income ≈ HK$258,654/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,260,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,385
−HK$7,314/mo
▼ 0.25% · 3.875%
HK$139,016
−HK$3,683/mo
Today · 4.125%
HK$142,699
baseline
▲ 0.50% · 4.625%
HK$150,221
+HK$7,522/mo
Deposit HK$2.96M · loan HK$26.68M · min. income ≈ HK$285,398/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,260,105 · Scale 2, in force from 26 Feb 2026)