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$67,924
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$70,037
−HK$2,147/mo
Today · 4.125%
HK$72,184
baseline
▲ 0.50% · 4.625%
HK$76,576
+HK$4,392/mo
Deposit HK$14.89M · loan HK$14.89M · min. income ≈ HK$144,368/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,265,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,565
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$77,592
−HK$2,056/mo
Today · 4.125%
HK$79,648
baseline
▲ 0.50% · 4.625%
HK$83,846
+HK$4,198/mo
Deposit HK$14.89M · loan HK$14.89M · min. income ≈ HK$159,296/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,265,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,509
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$84,045
−HK$2,576/mo
Today · 4.125%
HK$86,621
baseline
▲ 0.50% · 4.625%
HK$91,891
+HK$5,270/mo
Deposit HK$11.92M · loan HK$17.87M · min. income ≈ HK$173,242/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,265,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,678
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$93,110
−HK$2,467/mo
Today · 4.125%
HK$95,577
baseline
▲ 0.50% · 4.625%
HK$100,615
+HK$5,038/mo
Deposit HK$11.92M · loan HK$17.87M · min. income ≈ HK$191,154/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,265,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,094
−HK$5,963/mo
▼ 0.25% · 3.875%
HK$98,052
−HK$3,005/mo
Today · 4.125%
HK$101,057
baseline
▲ 0.50% · 4.625%
HK$107,207
+HK$6,150/mo
Deposit HK$8.94M · loan HK$20.85M · min. income ≈ HK$202,114/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,265,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,791
−HK$5,716/mo
▼ 0.25% · 3.875%
HK$108,629
−HK$2,878/mo
Today · 4.125%
HK$111,507
baseline
▲ 0.50% · 4.625%
HK$117,385
+HK$5,878/mo
Deposit HK$8.94M · loan HK$20.85M · min. income ≈ HK$223,014/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,265,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,264
−HK$7,667/mo
▼ 0.25% · 3.875%
HK$126,067
−HK$3,864/mo
Today · 4.125%
HK$129,931
baseline
▲ 0.50% · 4.625%
HK$137,837
+HK$7,906/mo
Deposit HK$2.98M · loan HK$26.81M · min. income ≈ HK$259,862/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,265,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,018
−HK$7,348/mo
▼ 0.25% · 3.875%
HK$139,665
−HK$3,701/mo
Today · 4.125%
HK$143,366
baseline
▲ 0.50% · 4.625%
HK$150,923
+HK$7,557/mo
Deposit HK$2.98M · loan HK$26.81M · min. income ≈ HK$286,732/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,265,994 · Scale 2, in force from 26 Feb 2026)