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$67,527
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$69,628
−HK$2,134/mo
Today · 4.125%
HK$71,762
baseline
▲ 0.50% · 4.625%
HK$76,128
+HK$4,366/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$143,524/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,258,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,123
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$77,138
−HK$2,044/mo
Today · 4.125%
HK$79,182
baseline
▲ 0.50% · 4.625%
HK$83,356
+HK$4,174/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$158,364/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,258,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,033
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$83,553
−HK$2,561/mo
Today · 4.125%
HK$86,114
baseline
▲ 0.50% · 4.625%
HK$91,354
+HK$5,240/mo
Deposit HK$11.85M · loan HK$17.77M · min. income ≈ HK$172,228/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,258,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,148
−HK$4,870/mo
▼ 0.25% · 3.875%
HK$92,566
−HK$2,452/mo
Today · 4.125%
HK$95,018
baseline
▲ 0.50% · 4.625%
HK$100,027
+HK$5,009/mo
Deposit HK$11.85M · loan HK$17.77M · min. income ≈ HK$190,036/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,258,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,538
−HK$5,928/mo
▼ 0.25% · 3.875%
HK$97,479
−HK$2,987/mo
Today · 4.125%
HK$100,466
baseline
▲ 0.50% · 4.625%
HK$106,579
+HK$6,113/mo
Deposit HK$8.88M · loan HK$20.73M · min. income ≈ HK$200,932/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,173
−HK$5,682/mo
▼ 0.25% · 3.875%
HK$107,993
−HK$2,862/mo
Today · 4.125%
HK$110,855
baseline
▲ 0.50% · 4.625%
HK$116,698
+HK$5,843/mo
Deposit HK$8.88M · loan HK$20.73M · min. income ≈ HK$221,710/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,549
−HK$7,622/mo
▼ 0.25% · 3.875%
HK$125,330
−HK$3,841/mo
Today · 4.125%
HK$129,171
baseline
▲ 0.50% · 4.625%
HK$137,031
+HK$7,860/mo
Deposit HK$2.96M · loan HK$26.65M · min. income ≈ HK$258,342/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,222
−HK$7,305/mo
▼ 0.25% · 3.875%
HK$138,848
−HK$3,679/mo
Today · 4.125%
HK$142,527
baseline
▲ 0.50% · 4.625%
HK$150,040
+HK$7,513/mo
Deposit HK$2.96M · loan HK$26.65M · min. income ≈ HK$285,054/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,588 · Scale 2, in force from 26 Feb 2026)