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$67,553
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$69,654
−HK$2,135/mo
Today · 4.125%
HK$71,789
baseline
▲ 0.50% · 4.625%
HK$76,157
+HK$4,368/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$143,578/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,259,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,152
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$77,167
−HK$2,045/mo
Today · 4.125%
HK$79,212
baseline
▲ 0.50% · 4.625%
HK$83,387
+HK$4,175/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$158,424/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,259,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,063
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$83,585
−HK$2,562/mo
Today · 4.125%
HK$86,147
baseline
▲ 0.50% · 4.625%
HK$91,388
+HK$5,241/mo
Deposit HK$11.85M · loan HK$17.78M · min. income ≈ HK$172,294/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,259,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,182
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$92,601
−HK$2,453/mo
Today · 4.125%
HK$95,054
baseline
▲ 0.50% · 4.625%
HK$100,065
+HK$5,011/mo
Deposit HK$11.85M · loan HK$17.78M · min. income ≈ HK$190,108/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,259,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,574
−HK$5,930/mo
▼ 0.25% · 3.875%
HK$97,515
−HK$2,989/mo
Today · 4.125%
HK$100,504
baseline
▲ 0.50% · 4.625%
HK$106,620
+HK$6,116/mo
Deposit HK$8.89M · loan HK$20.74M · min. income ≈ HK$201,008/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,259,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,212
−HK$5,685/mo
▼ 0.25% · 3.875%
HK$108,034
−HK$2,863/mo
Today · 4.125%
HK$110,897
baseline
▲ 0.50% · 4.625%
HK$116,742
+HK$5,845/mo
Deposit HK$8.89M · loan HK$20.74M · min. income ≈ HK$221,794/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,259,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,595
−HK$7,625/mo
▼ 0.25% · 3.875%
HK$125,377
−HK$3,843/mo
Today · 4.125%
HK$129,220
baseline
▲ 0.50% · 4.625%
HK$137,082
+HK$7,862/mo
Deposit HK$2.96M · loan HK$26.66M · min. income ≈ HK$258,440/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,259,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,273
−HK$7,308/mo
▼ 0.25% · 3.875%
HK$138,901
−HK$3,680/mo
Today · 4.125%
HK$142,581
baseline
▲ 0.50% · 4.625%
HK$150,097
+HK$7,516/mo
Deposit HK$2.96M · loan HK$26.66M · min. income ≈ HK$285,162/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,259,063 · Scale 2, in force from 26 Feb 2026)