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$67,780
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$69,888
−HK$2,142/mo
Today · 4.125%
HK$72,030
baseline
▲ 0.50% · 4.625%
HK$76,413
+HK$4,383/mo
Deposit HK$14.86M · loan HK$14.86M · min. income ≈ HK$144,060/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,263,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,404
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$77,426
−HK$2,052/mo
Today · 4.125%
HK$79,478
baseline
▲ 0.50% · 4.625%
HK$83,667
+HK$4,189/mo
Deposit HK$14.86M · loan HK$14.86M · min. income ≈ HK$158,956/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,263,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,336
−HK$5,100/mo
▼ 0.25% · 3.875%
HK$83,866
−HK$2,570/mo
Today · 4.125%
HK$86,436
baseline
▲ 0.50% · 4.625%
HK$91,695
+HK$5,259/mo
Deposit HK$11.89M · loan HK$17.83M · min. income ≈ HK$172,872/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,263,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,485
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$92,912
−HK$2,462/mo
Today · 4.125%
HK$95,374
baseline
▲ 0.50% · 4.625%
HK$100,401
+HK$5,027/mo
Deposit HK$11.89M · loan HK$17.83M · min. income ≈ HK$190,748/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,263,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,892
−HK$5,950/mo
▼ 0.25% · 3.875%
HK$97,843
−HK$2,999/mo
Today · 4.125%
HK$100,842
baseline
▲ 0.50% · 4.625%
HK$106,978
+HK$6,136/mo
Deposit HK$8.92M · loan HK$20.81M · min. income ≈ HK$201,684/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,263,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,566
−HK$5,703/mo
▼ 0.25% · 3.875%
HK$108,397
−HK$2,872/mo
Today · 4.125%
HK$111,269
baseline
▲ 0.50% · 4.625%
HK$117,134
+HK$5,865/mo
Deposit HK$8.92M · loan HK$20.81M · min. income ≈ HK$222,538/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,263,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,003
−HK$7,651/mo
▼ 0.25% · 3.875%
HK$125,798
−HK$3,856/mo
Today · 4.125%
HK$129,654
baseline
▲ 0.50% · 4.625%
HK$137,543
+HK$7,889/mo
Deposit HK$2.97M · loan HK$26.75M · min. income ≈ HK$259,308/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,263,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,728
−HK$7,332/mo
▼ 0.25% · 3.875%
HK$139,368
−HK$3,692/mo
Today · 4.125%
HK$143,060
baseline
▲ 0.50% · 4.625%
HK$150,601
+HK$7,541/mo
Deposit HK$2.97M · loan HK$26.75M · min. income ≈ HK$286,120/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,263,295 · Scale 2, in force from 26 Feb 2026)