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$67,809
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$69,919
−HK$2,143/mo
Today · 4.125%
HK$72,062
baseline
▲ 0.50% · 4.625%
HK$76,446
+HK$4,384/mo
Deposit HK$14.87M · loan HK$14.87M · min. income ≈ HK$144,124/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,263,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,437
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$77,461
−HK$2,052/mo
Today · 4.125%
HK$79,513
baseline
▲ 0.50% · 4.625%
HK$83,704
+HK$4,191/mo
Deposit HK$14.87M · loan HK$14.87M · min. income ≈ HK$159,026/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,263,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,371
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$83,902
−HK$2,572/mo
Today · 4.125%
HK$86,474
baseline
▲ 0.50% · 4.625%
HK$91,736
+HK$5,262/mo
Deposit HK$11.90M · loan HK$17.84M · min. income ≈ HK$172,948/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,263,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,525
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$92,953
−HK$2,463/mo
Today · 4.125%
HK$95,416
baseline
▲ 0.50% · 4.625%
HK$100,445
+HK$5,029/mo
Deposit HK$11.90M · loan HK$17.84M · min. income ≈ HK$190,832/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,263,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,933
−HK$5,953/mo
▼ 0.25% · 3.875%
HK$97,886
−HK$3,000/mo
Today · 4.125%
HK$100,886
baseline
▲ 0.50% · 4.625%
HK$107,025
+HK$6,139/mo
Deposit HK$8.92M · loan HK$20.82M · min. income ≈ HK$201,772/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,263,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,612
−HK$5,706/mo
▼ 0.25% · 3.875%
HK$108,445
−HK$2,873/mo
Today · 4.125%
HK$111,318
baseline
▲ 0.50% · 4.625%
HK$117,186
+HK$5,868/mo
Deposit HK$8.92M · loan HK$20.82M · min. income ≈ HK$222,636/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,263,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,057
−HK$7,654/mo
▼ 0.25% · 3.875%
HK$125,854
−HK$3,857/mo
Today · 4.125%
HK$129,711
baseline
▲ 0.50% · 4.625%
HK$137,604
+HK$7,893/mo
Deposit HK$2.97M · loan HK$26.76M · min. income ≈ HK$259,422/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,263,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,787
−HK$7,336/mo
▼ 0.25% · 3.875%
HK$139,429
−HK$3,694/mo
Today · 4.125%
HK$143,123
baseline
▲ 0.50% · 4.625%
HK$150,668
+HK$7,545/mo
Deposit HK$2.97M · loan HK$26.76M · min. income ≈ HK$286,246/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,263,850 · Scale 2, in force from 26 Feb 2026)