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$67,840
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$69,951
−HK$2,144/mo
Today · 4.125%
HK$72,095
baseline
▲ 0.50% · 4.625%
HK$76,481
+HK$4,386/mo
Deposit HK$14.88M · loan HK$14.88M · min. income ≈ HK$144,190/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,264,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,472
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$77,496
−HK$2,053/mo
Today · 4.125%
HK$79,549
baseline
▲ 0.50% · 4.625%
HK$83,742
+HK$4,193/mo
Deposit HK$14.88M · loan HK$14.88M · min. income ≈ HK$159,098/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,264,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,409
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$83,941
−HK$2,573/mo
Today · 4.125%
HK$86,514
baseline
▲ 0.50% · 4.625%
HK$91,778
+HK$5,264/mo
Deposit HK$11.90M · loan HK$17.85M · min. income ≈ HK$173,028/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,264,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,566
−HK$4,893/mo
▼ 0.25% · 3.875%
HK$92,995
−HK$2,464/mo
Today · 4.125%
HK$95,459
baseline
▲ 0.50% · 4.625%
HK$100,491
+HK$5,032/mo
Deposit HK$11.90M · loan HK$17.85M · min. income ≈ HK$190,918/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,264,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,977
−HK$5,955/mo
▼ 0.25% · 3.875%
HK$97,931
−HK$3,001/mo
Today · 4.125%
HK$100,932
baseline
▲ 0.50% · 4.625%
HK$107,074
+HK$6,142/mo
Deposit HK$8.93M · loan HK$20.83M · min. income ≈ HK$201,864/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,264,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,661
−HK$5,708/mo
▼ 0.25% · 3.875%
HK$108,494
−HK$2,875/mo
Today · 4.125%
HK$111,369
baseline
▲ 0.50% · 4.625%
HK$117,239
+HK$5,870/mo
Deposit HK$8.93M · loan HK$20.83M · min. income ≈ HK$222,738/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,264,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,113
−HK$7,657/mo
▼ 0.25% · 3.875%
HK$125,911
−HK$3,859/mo
Today · 4.125%
HK$129,770
baseline
▲ 0.50% · 4.625%
HK$137,667
+HK$7,897/mo
Deposit HK$2.98M · loan HK$26.78M · min. income ≈ HK$259,540/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,264,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,849
−HK$7,340/mo
▼ 0.25% · 3.875%
HK$139,493
−HK$3,696/mo
Today · 4.125%
HK$143,189
baseline
▲ 0.50% · 4.625%
HK$150,736
+HK$7,547/mo
Deposit HK$2.98M · loan HK$26.78M · min. income ≈ HK$286,378/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,264,428 · Scale 2, in force from 26 Feb 2026)