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$67,420
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$69,517
−HK$2,131/mo
Today · 4.125%
HK$71,648
baseline
▲ 0.50% · 4.625%
HK$76,007
+HK$4,359/mo
Deposit HK$14.78M · loan HK$14.78M · min. income ≈ HK$143,296/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,256,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,004
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$77,015
−HK$2,041/mo
Today · 4.125%
HK$79,056
baseline
▲ 0.50% · 4.625%
HK$83,223
+HK$4,167/mo
Deposit HK$14.78M · loan HK$14.78M · min. income ≈ HK$158,112/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,256,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,904
−HK$5,073/mo
▼ 0.25% · 3.875%
HK$83,420
−HK$2,557/mo
Today · 4.125%
HK$85,977
baseline
▲ 0.50% · 4.625%
HK$91,209
+HK$5,232/mo
Deposit HK$11.83M · loan HK$17.74M · min. income ≈ HK$171,954/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,256,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,005
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$92,419
−HK$2,448/mo
Today · 4.125%
HK$94,867
baseline
▲ 0.50% · 4.625%
HK$99,868
+HK$5,001/mo
Deposit HK$11.83M · loan HK$17.74M · min. income ≈ HK$189,734/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,256,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,388
−HK$5,919/mo
▼ 0.25% · 3.875%
HK$97,324
−HK$2,983/mo
Today · 4.125%
HK$100,307
baseline
▲ 0.50% · 4.625%
HK$106,410
+HK$6,103/mo
Deposit HK$8.87M · loan HK$20.70M · min. income ≈ HK$200,614/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,256,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,005
−HK$5,674/mo
▼ 0.25% · 3.875%
HK$107,822
−HK$2,857/mo
Today · 4.125%
HK$110,679
baseline
▲ 0.50% · 4.625%
HK$116,513
+HK$5,834/mo
Deposit HK$8.87M · loan HK$20.70M · min. income ≈ HK$221,358/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,256,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,356
−HK$7,610/mo
▼ 0.25% · 3.875%
HK$125,131
−HK$3,835/mo
Today · 4.125%
HK$128,966
baseline
▲ 0.50% · 4.625%
HK$136,813
+HK$7,847/mo
Deposit HK$2.96M · loan HK$26.61M · min. income ≈ HK$257,932/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,256,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,007
−HK$7,294/mo
▼ 0.25% · 3.875%
HK$138,628
−HK$3,673/mo
Today · 4.125%
HK$142,301
baseline
▲ 0.50% · 4.625%
HK$149,802
+HK$7,501/mo
Deposit HK$2.96M · loan HK$26.61M · min. income ≈ HK$284,602/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,256,589 · Scale 2, in force from 26 Feb 2026)