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$67,672
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$69,777
−HK$2,139/mo
Today · 4.125%
HK$71,916
baseline
▲ 0.50% · 4.625%
HK$76,292
+HK$4,376/mo
Deposit HK$14.84M · loan HK$14.84M · min. income ≈ HK$143,832/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,261,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,285
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$77,304
−HK$2,048/mo
Today · 4.125%
HK$79,352
baseline
▲ 0.50% · 4.625%
HK$83,535
+HK$4,183/mo
Deposit HK$14.84M · loan HK$14.84M · min. income ≈ HK$158,704/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,261,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,207
−HK$5,092/mo
▼ 0.25% · 3.875%
HK$83,733
−HK$2,566/mo
Today · 4.125%
HK$86,299
baseline
▲ 0.50% · 4.625%
HK$91,550
+HK$5,251/mo
Deposit HK$11.87M · loan HK$17.81M · min. income ≈ HK$172,598/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,261,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,342
−HK$4,881/mo
▼ 0.25% · 3.875%
HK$92,765
−HK$2,458/mo
Today · 4.125%
HK$95,223
baseline
▲ 0.50% · 4.625%
HK$100,242
+HK$5,019/mo
Deposit HK$11.87M · loan HK$17.81M · min. income ≈ HK$190,446/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,261,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,741
−HK$5,941/mo
▼ 0.25% · 3.875%
HK$97,688
−HK$2,994/mo
Today · 4.125%
HK$100,682
baseline
▲ 0.50% · 4.625%
HK$106,809
+HK$6,127/mo
Deposit HK$8.90M · loan HK$20.77M · min. income ≈ HK$201,364/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,261,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,399
−HK$5,694/mo
▼ 0.25% · 3.875%
HK$108,225
−HK$2,868/mo
Today · 4.125%
HK$111,093
baseline
▲ 0.50% · 4.625%
HK$116,949
+HK$5,856/mo
Deposit HK$8.90M · loan HK$20.77M · min. income ≈ HK$222,186/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,261,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,810
−HK$7,639/mo
▼ 0.25% · 3.875%
HK$125,599
−HK$3,850/mo
Today · 4.125%
HK$129,449
baseline
▲ 0.50% · 4.625%
HK$137,325
+HK$7,876/mo
Deposit HK$2.97M · loan HK$26.71M · min. income ≈ HK$258,898/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,261,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,513
−HK$7,321/mo
▼ 0.25% · 3.875%
HK$139,147
−HK$3,687/mo
Today · 4.125%
HK$142,834
baseline
▲ 0.50% · 4.625%
HK$150,363
+HK$7,529/mo
Deposit HK$2.97M · loan HK$26.71M · min. income ≈ HK$285,668/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,261,295 · Scale 2, in force from 26 Feb 2026)