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$67,616
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$69,720
−HK$2,136/mo
Today · 4.125%
HK$71,856
baseline
▲ 0.50% · 4.625%
HK$76,229
+HK$4,373/mo
Deposit HK$14.83M · loan HK$14.83M · min. income ≈ HK$143,712/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,260,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,222
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$77,240
−HK$2,046/mo
Today · 4.125%
HK$79,286
baseline
▲ 0.50% · 4.625%
HK$83,466
+HK$4,180/mo
Deposit HK$14.83M · loan HK$14.83M · min. income ≈ HK$158,572/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,260,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,140
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$83,663
−HK$2,565/mo
Today · 4.125%
HK$86,228
baseline
▲ 0.50% · 4.625%
HK$91,474
+HK$5,246/mo
Deposit HK$11.86M · loan HK$17.79M · min. income ≈ HK$172,456/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,260,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,267
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$92,688
−HK$2,456/mo
Today · 4.125%
HK$95,144
baseline
▲ 0.50% · 4.625%
HK$100,159
+HK$5,015/mo
Deposit HK$11.86M · loan HK$17.79M · min. income ≈ HK$190,288/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,260,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,663
−HK$5,936/mo
▼ 0.25% · 3.875%
HK$97,607
−HK$2,992/mo
Today · 4.125%
HK$100,599
baseline
▲ 0.50% · 4.625%
HK$106,720
+HK$6,121/mo
Deposit HK$8.90M · loan HK$20.76M · min. income ≈ HK$201,198/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,260,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,311
−HK$5,690/mo
▼ 0.25% · 3.875%
HK$108,136
−HK$2,865/mo
Today · 4.125%
HK$111,001
baseline
▲ 0.50% · 4.625%
HK$116,852
+HK$5,851/mo
Deposit HK$8.90M · loan HK$20.76M · min. income ≈ HK$222,002/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,260,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,709
−HK$7,633/mo
▼ 0.25% · 3.875%
HK$125,495
−HK$3,847/mo
Today · 4.125%
HK$129,342
baseline
▲ 0.50% · 4.625%
HK$137,212
+HK$7,870/mo
Deposit HK$2.97M · loan HK$26.69M · min. income ≈ HK$258,684/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,260,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,400
−HK$7,316/mo
▼ 0.25% · 3.875%
HK$139,032
−HK$3,684/mo
Today · 4.125%
HK$142,716
baseline
▲ 0.50% · 4.625%
HK$150,238
+HK$7,522/mo
Deposit HK$2.97M · loan HK$26.69M · min. income ≈ HK$285,432/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,260,250 · Scale 2, in force from 26 Feb 2026)