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$67,455
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$69,553
−HK$2,132/mo
Today · 4.125%
HK$71,685
baseline
▲ 0.50% · 4.625%
HK$76,047
+HK$4,362/mo
Deposit HK$14.79M · loan HK$14.79M · min. income ≈ HK$143,370/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,257,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,043
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$77,056
−HK$2,041/mo
Today · 4.125%
HK$79,097
baseline
▲ 0.50% · 4.625%
HK$83,267
+HK$4,170/mo
Deposit HK$14.79M · loan HK$14.79M · min. income ≈ HK$158,194/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,257,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,946
−HK$5,076/mo
▼ 0.25% · 3.875%
HK$83,464
−HK$2,558/mo
Today · 4.125%
HK$86,022
baseline
▲ 0.50% · 4.625%
HK$91,256
+HK$5,234/mo
Deposit HK$11.83M · loan HK$17.75M · min. income ≈ HK$172,044/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,257,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,052
−HK$4,865/mo
▼ 0.25% · 3.875%
HK$92,467
−HK$2,450/mo
Today · 4.125%
HK$94,917
baseline
▲ 0.50% · 4.625%
HK$99,920
+HK$5,003/mo
Deposit HK$11.83M · loan HK$17.75M · min. income ≈ HK$189,834/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,257,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,437
−HK$5,922/mo
▼ 0.25% · 3.875%
HK$97,374
−HK$2,985/mo
Today · 4.125%
HK$100,359
baseline
▲ 0.50% · 4.625%
HK$106,466
+HK$6,107/mo
Deposit HK$8.87M · loan HK$20.71M · min. income ≈ HK$200,718/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,257,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,060
−HK$5,676/mo
▼ 0.25% · 3.875%
HK$107,878
−HK$2,858/mo
Today · 4.125%
HK$110,736
baseline
▲ 0.50% · 4.625%
HK$116,573
+HK$5,837/mo
Deposit HK$8.87M · loan HK$20.71M · min. income ≈ HK$221,472/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,257,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,419
−HK$7,614/mo
▼ 0.25% · 3.875%
HK$125,196
−HK$3,837/mo
Today · 4.125%
HK$129,033
baseline
▲ 0.50% · 4.625%
HK$136,884
+HK$7,851/mo
Deposit HK$2.96M · loan HK$26.62M · min. income ≈ HK$258,066/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,257,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,077
−HK$7,298/mo
▼ 0.25% · 3.875%
HK$138,700
−HK$3,675/mo
Today · 4.125%
HK$142,375
baseline
▲ 0.50% · 4.625%
HK$149,880
+HK$7,505/mo
Deposit HK$2.96M · loan HK$26.62M · min. income ≈ HK$284,750/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,257,242 · Scale 2, in force from 26 Feb 2026)