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$67,650
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$69,754
−HK$2,138/mo
Today · 4.125%
HK$71,892
baseline
▲ 0.50% · 4.625%
HK$76,267
+HK$4,375/mo
Deposit HK$14.83M · loan HK$14.83M · min. income ≈ HK$143,784/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,260,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,260
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$77,278
−HK$2,048/mo
Today · 4.125%
HK$79,326
baseline
▲ 0.50% · 4.625%
HK$83,507
+HK$4,181/mo
Deposit HK$14.83M · loan HK$14.83M · min. income ≈ HK$158,652/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,260,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,180
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$83,705
−HK$2,566/mo
Today · 4.125%
HK$86,271
baseline
▲ 0.50% · 4.625%
HK$91,520
+HK$5,249/mo
Deposit HK$11.87M · loan HK$17.80M · min. income ≈ HK$172,542/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,260,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,312
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$92,734
−HK$2,457/mo
Today · 4.125%
HK$95,191
baseline
▲ 0.50% · 4.625%
HK$100,209
+HK$5,018/mo
Deposit HK$11.87M · loan HK$17.80M · min. income ≈ HK$190,382/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,260,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,710
−HK$5,939/mo
▼ 0.25% · 3.875%
HK$97,656
−HK$2,993/mo
Today · 4.125%
HK$100,649
baseline
▲ 0.50% · 4.625%
HK$106,773
+HK$6,124/mo
Deposit HK$8.90M · loan HK$20.77M · min. income ≈ HK$201,298/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,260,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,364
−HK$5,692/mo
▼ 0.25% · 3.875%
HK$108,190
−HK$2,866/mo
Today · 4.125%
HK$111,056
baseline
▲ 0.50% · 4.625%
HK$116,910
+HK$5,854/mo
Deposit HK$8.90M · loan HK$20.77M · min. income ≈ HK$222,112/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,260,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,770
−HK$7,636/mo
▼ 0.25% · 3.875%
HK$125,558
−HK$3,848/mo
Today · 4.125%
HK$129,406
baseline
▲ 0.50% · 4.625%
HK$137,280
+HK$7,874/mo
Deposit HK$2.97M · loan HK$26.70M · min. income ≈ HK$258,812/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,260,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,468
−HK$7,319/mo
▼ 0.25% · 3.875%
HK$139,101
−HK$3,686/mo
Today · 4.125%
HK$142,787
baseline
▲ 0.50% · 4.625%
HK$150,313
+HK$7,526/mo
Deposit HK$2.97M · loan HK$26.70M · min. income ≈ HK$285,574/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,260,878 · Scale 2, in force from 26 Feb 2026)