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$67,428
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$69,525
−HK$2,131/mo
Today · 4.125%
HK$71,656
baseline
▲ 0.50% · 4.625%
HK$76,016
+HK$4,360/mo
Deposit HK$14.79M · loan HK$14.79M · min. income ≈ HK$143,312/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,256,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,012
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$77,024
−HK$2,041/mo
Today · 4.125%
HK$79,065
baseline
▲ 0.50% · 4.625%
HK$83,233
+HK$4,168/mo
Deposit HK$14.79M · loan HK$14.79M · min. income ≈ HK$158,130/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,256,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,913
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$83,430
−HK$2,557/mo
Today · 4.125%
HK$85,987
baseline
▲ 0.50% · 4.625%
HK$91,219
+HK$5,232/mo
Deposit HK$11.83M · loan HK$17.74M · min. income ≈ HK$171,974/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,256,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,015
−HK$4,863/mo
▼ 0.25% · 3.875%
HK$92,429
−HK$2,449/mo
Today · 4.125%
HK$94,878
baseline
▲ 0.50% · 4.625%
HK$99,879
+HK$5,001/mo
Deposit HK$11.83M · loan HK$17.74M · min. income ≈ HK$189,756/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,256,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,399
−HK$5,919/mo
▼ 0.25% · 3.875%
HK$97,335
−HK$2,983/mo
Today · 4.125%
HK$100,318
baseline
▲ 0.50% · 4.625%
HK$106,422
+HK$6,104/mo
Deposit HK$8.87M · loan HK$20.70M · min. income ≈ HK$200,636/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,256,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,017
−HK$5,674/mo
▼ 0.25% · 3.875%
HK$107,834
−HK$2,857/mo
Today · 4.125%
HK$110,691
baseline
▲ 0.50% · 4.625%
HK$116,526
+HK$5,835/mo
Deposit HK$8.87M · loan HK$20.70M · min. income ≈ HK$221,382/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,256,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,370
−HK$7,610/mo
▼ 0.25% · 3.875%
HK$125,145
−HK$3,835/mo
Today · 4.125%
HK$128,980
baseline
▲ 0.50% · 4.625%
HK$136,829
+HK$7,849/mo
Deposit HK$2.96M · loan HK$26.61M · min. income ≈ HK$257,960/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,256,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,022
−HK$7,295/mo
▼ 0.25% · 3.875%
HK$138,644
−HK$3,673/mo
Today · 4.125%
HK$142,317
baseline
▲ 0.50% · 4.625%
HK$149,819
+HK$7,502/mo
Deposit HK$2.96M · loan HK$26.61M · min. income ≈ HK$284,634/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,256,732 · Scale 2, in force from 26 Feb 2026)