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$67,628
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$69,732
−HK$2,137/mo
Today · 4.125%
HK$71,869
baseline
▲ 0.50% · 4.625%
HK$76,242
+HK$4,373/mo
Deposit HK$14.83M · loan HK$14.83M · min. income ≈ HK$143,738/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,260,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,235
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$77,253
−HK$2,047/mo
Today · 4.125%
HK$79,300
baseline
▲ 0.50% · 4.625%
HK$83,480
+HK$4,180/mo
Deposit HK$14.83M · loan HK$14.83M · min. income ≈ HK$158,600/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,260,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,154
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$83,678
−HK$2,565/mo
Today · 4.125%
HK$86,243
baseline
▲ 0.50% · 4.625%
HK$91,490
+HK$5,247/mo
Deposit HK$11.86M · loan HK$17.79M · min. income ≈ HK$172,486/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,260,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,283
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$92,704
−HK$2,456/mo
Today · 4.125%
HK$95,160
baseline
▲ 0.50% · 4.625%
HK$100,176
+HK$5,016/mo
Deposit HK$11.86M · loan HK$17.79M · min. income ≈ HK$190,320/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,260,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,679
−HK$5,937/mo
▼ 0.25% · 3.875%
HK$97,624
−HK$2,992/mo
Today · 4.125%
HK$100,616
baseline
▲ 0.50% · 4.625%
HK$106,739
+HK$6,123/mo
Deposit HK$8.90M · loan HK$20.76M · min. income ≈ HK$201,232/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,260,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,330
−HK$5,690/mo
▼ 0.25% · 3.875%
HK$108,155
−HK$2,865/mo
Today · 4.125%
HK$111,020
baseline
▲ 0.50% · 4.625%
HK$116,872
+HK$5,852/mo
Deposit HK$8.90M · loan HK$20.76M · min. income ≈ HK$222,040/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,260,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,730
−HK$7,634/mo
▼ 0.25% · 3.875%
HK$125,517
−HK$3,847/mo
Today · 4.125%
HK$129,364
baseline
▲ 0.50% · 4.625%
HK$137,235
+HK$7,871/mo
Deposit HK$2.97M · loan HK$26.69M · min. income ≈ HK$258,728/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,260,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,424
−HK$7,316/mo
▼ 0.25% · 3.875%
HK$139,056
−HK$3,684/mo
Today · 4.125%
HK$142,740
baseline
▲ 0.50% · 4.625%
HK$150,264
+HK$7,524/mo
Deposit HK$2.97M · loan HK$26.69M · min. income ≈ HK$285,480/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,260,468 · Scale 2, in force from 26 Feb 2026)