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$67,463
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$69,562
−HK$2,132/mo
Today · 4.125%
HK$71,694
baseline
▲ 0.50% · 4.625%
HK$76,056
+HK$4,362/mo
Deposit HK$14.79M · loan HK$14.79M · min. income ≈ HK$143,388/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,257,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,052
−HK$4,055/mo
▼ 0.25% · 3.875%
HK$77,065
−HK$2,042/mo
Today · 4.125%
HK$79,107
baseline
▲ 0.50% · 4.625%
HK$83,277
+HK$4,170/mo
Deposit HK$14.79M · loan HK$14.79M · min. income ≈ HK$158,214/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,257,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,956
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$83,474
−HK$2,559/mo
Today · 4.125%
HK$86,033
baseline
▲ 0.50% · 4.625%
HK$91,268
+HK$5,235/mo
Deposit HK$11.83M · loan HK$17.75M · min. income ≈ HK$172,066/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,257,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,063
−HK$4,866/mo
▼ 0.25% · 3.875%
HK$92,478
−HK$2,451/mo
Today · 4.125%
HK$94,929
baseline
▲ 0.50% · 4.625%
HK$99,933
+HK$5,004/mo
Deposit HK$11.83M · loan HK$17.75M · min. income ≈ HK$189,858/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,257,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,449
−HK$5,923/mo
▼ 0.25% · 3.875%
HK$97,387
−HK$2,985/mo
Today · 4.125%
HK$100,372
baseline
▲ 0.50% · 4.625%
HK$106,479
+HK$6,107/mo
Deposit HK$8.88M · loan HK$20.71M · min. income ≈ HK$200,744/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,257,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,073
−HK$5,677/mo
▼ 0.25% · 3.875%
HK$107,891
−HK$2,859/mo
Today · 4.125%
HK$110,750
baseline
▲ 0.50% · 4.625%
HK$116,588
+HK$5,838/mo
Deposit HK$8.88M · loan HK$20.71M · min. income ≈ HK$221,500/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,257,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,434
−HK$7,615/mo
▼ 0.25% · 3.875%
HK$125,211
−HK$3,838/mo
Today · 4.125%
HK$129,049
baseline
▲ 0.50% · 4.625%
HK$136,902
+HK$7,853/mo
Deposit HK$2.96M · loan HK$26.63M · min. income ≈ HK$258,098/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,257,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,094
−HK$7,299/mo
▼ 0.25% · 3.875%
HK$138,717
−HK$3,676/mo
Today · 4.125%
HK$142,393
baseline
▲ 0.50% · 4.625%
HK$149,899
+HK$7,506/mo
Deposit HK$2.96M · loan HK$26.63M · min. income ≈ HK$284,786/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,257,401 · Scale 2, in force from 26 Feb 2026)