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$67,622
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$69,726
−HK$2,137/mo
Today · 4.125%
HK$71,863
baseline
▲ 0.50% · 4.625%
HK$76,235
+HK$4,372/mo
Deposit HK$14.83M · loan HK$14.83M · min. income ≈ HK$143,726/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,260,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,229
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$77,247
−HK$2,046/mo
Today · 4.125%
HK$79,293
baseline
▲ 0.50% · 4.625%
HK$83,473
+HK$4,180/mo
Deposit HK$14.83M · loan HK$14.83M · min. income ≈ HK$158,586/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,260,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,147
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$83,671
−HK$2,564/mo
Today · 4.125%
HK$86,235
baseline
▲ 0.50% · 4.625%
HK$91,482
+HK$5,247/mo
Deposit HK$11.86M · loan HK$17.79M · min. income ≈ HK$172,470/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,260,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,275
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$92,696
−HK$2,456/mo
Today · 4.125%
HK$95,152
baseline
▲ 0.50% · 4.625%
HK$100,168
+HK$5,016/mo
Deposit HK$11.86M · loan HK$17.79M · min. income ≈ HK$190,304/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,260,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,671
−HK$5,937/mo
▼ 0.25% · 3.875%
HK$97,616
−HK$2,992/mo
Today · 4.125%
HK$100,608
baseline
▲ 0.50% · 4.625%
HK$106,729
+HK$6,121/mo
Deposit HK$8.90M · loan HK$20.76M · min. income ≈ HK$201,216/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,260,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,321
−HK$5,690/mo
▼ 0.25% · 3.875%
HK$108,145
−HK$2,866/mo
Today · 4.125%
HK$111,011
baseline
▲ 0.50% · 4.625%
HK$116,862
+HK$5,851/mo
Deposit HK$8.90M · loan HK$20.76M · min. income ≈ HK$222,022/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,260,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,720
−HK$7,633/mo
▼ 0.25% · 3.875%
HK$125,506
−HK$3,847/mo
Today · 4.125%
HK$129,353
baseline
▲ 0.50% · 4.625%
HK$137,224
+HK$7,871/mo
Deposit HK$2.97M · loan HK$26.69M · min. income ≈ HK$258,706/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,260,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,412
−HK$7,316/mo
▼ 0.25% · 3.875%
HK$139,044
−HK$3,684/mo
Today · 4.125%
HK$142,728
baseline
▲ 0.50% · 4.625%
HK$150,251
+HK$7,523/mo
Deposit HK$2.97M · loan HK$26.69M · min. income ≈ HK$285,456/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,260,359 · Scale 2, in force from 26 Feb 2026)