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$67,740
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$69,847
−HK$2,141/mo
Today · 4.125%
HK$71,988
baseline
▲ 0.50% · 4.625%
HK$76,368
+HK$4,380/mo
Deposit HK$14.85M · loan HK$14.85M · min. income ≈ HK$143,976/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,262,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,360
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$77,381
−HK$2,050/mo
Today · 4.125%
HK$79,431
baseline
▲ 0.50% · 4.625%
HK$83,618
+HK$4,187/mo
Deposit HK$14.85M · loan HK$14.85M · min. income ≈ HK$158,862/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,262,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,288
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$83,816
−HK$2,569/mo
Today · 4.125%
HK$86,385
baseline
▲ 0.50% · 4.625%
HK$91,642
+HK$5,257/mo
Deposit HK$11.88M · loan HK$17.82M · min. income ≈ HK$172,770/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,262,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,432
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$92,857
−HK$2,461/mo
Today · 4.125%
HK$95,318
baseline
▲ 0.50% · 4.625%
HK$100,342
+HK$5,024/mo
Deposit HK$11.88M · loan HK$17.82M · min. income ≈ HK$190,636/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,262,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,836
−HK$5,947/mo
▼ 0.25% · 3.875%
HK$97,786
−HK$2,997/mo
Today · 4.125%
HK$100,783
baseline
▲ 0.50% · 4.625%
HK$106,915
+HK$6,132/mo
Deposit HK$8.91M · loan HK$20.80M · min. income ≈ HK$201,566/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$1,262,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,504
−HK$5,700/mo
▼ 0.25% · 3.875%
HK$108,334
−HK$2,870/mo
Today · 4.125%
HK$111,204
baseline
▲ 0.50% · 4.625%
HK$117,066
+HK$5,862/mo
Deposit HK$8.91M · loan HK$20.80M · min. income ≈ HK$222,408/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$1,262,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,932
−HK$7,646/mo
▼ 0.25% · 3.875%
HK$125,725
−HK$3,853/mo
Today · 4.125%
HK$129,578
baseline
▲ 0.50% · 4.625%
HK$137,463
+HK$7,885/mo
Deposit HK$2.97M · loan HK$26.74M · min. income ≈ HK$259,156/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,262,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,648
−HK$7,329/mo
▼ 0.25% · 3.875%
HK$139,286
−HK$3,691/mo
Today · 4.125%
HK$142,977
baseline
▲ 0.50% · 4.625%
HK$150,513
+HK$7,536/mo
Deposit HK$2.97M · loan HK$26.74M · min. income ≈ HK$285,954/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,262,554 · Scale 2, in force from 26 Feb 2026)