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$67,607
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$69,710
−HK$2,136/mo
Today · 4.125%
HK$71,846
baseline
▲ 0.50% · 4.625%
HK$76,218
+HK$4,372/mo
Deposit HK$14.82M · loan HK$14.82M · min. income ≈ HK$143,692/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,260,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,212
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$77,229
−HK$2,046/mo
Today · 4.125%
HK$79,275
baseline
▲ 0.50% · 4.625%
HK$83,454
+HK$4,179/mo
Deposit HK$14.82M · loan HK$14.82M · min. income ≈ HK$158,550/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,260,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,128
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$83,652
−HK$2,564/mo
Today · 4.125%
HK$86,216
baseline
▲ 0.50% · 4.625%
HK$91,462
+HK$5,246/mo
Deposit HK$11.86M · loan HK$17.79M · min. income ≈ HK$172,432/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,260,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,254
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$92,675
−HK$2,456/mo
Today · 4.125%
HK$95,131
baseline
▲ 0.50% · 4.625%
HK$100,145
+HK$5,014/mo
Deposit HK$11.86M · loan HK$17.79M · min. income ≈ HK$190,262/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,260,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,650
−HK$5,935/mo
▼ 0.25% · 3.875%
HK$97,594
−HK$2,991/mo
Today · 4.125%
HK$100,585
baseline
▲ 0.50% · 4.625%
HK$106,705
+HK$6,120/mo
Deposit HK$8.89M · loan HK$20.75M · min. income ≈ HK$201,170/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,260,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,297
−HK$5,689/mo
▼ 0.25% · 3.875%
HK$108,121
−HK$2,865/mo
Today · 4.125%
HK$110,986
baseline
▲ 0.50% · 4.625%
HK$116,836
+HK$5,850/mo
Deposit HK$8.89M · loan HK$20.75M · min. income ≈ HK$221,972/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,260,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,692
−HK$7,632/mo
▼ 0.25% · 3.875%
HK$125,478
−HK$3,846/mo
Today · 4.125%
HK$129,324
baseline
▲ 0.50% · 4.625%
HK$137,193
+HK$7,869/mo
Deposit HK$2.96M · loan HK$26.68M · min. income ≈ HK$258,648/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,260,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,382
−HK$7,314/mo
▼ 0.25% · 3.875%
HK$139,012
−HK$3,684/mo
Today · 4.125%
HK$142,696
baseline
▲ 0.50% · 4.625%
HK$150,217
+HK$7,521/mo
Deposit HK$2.96M · loan HK$26.68M · min. income ≈ HK$285,392/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,260,074 · Scale 2, in force from 26 Feb 2026)