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$67,666
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$69,771
−HK$2,138/mo
Today · 4.125%
HK$71,909
baseline
▲ 0.50% · 4.625%
HK$76,285
+HK$4,376/mo
Deposit HK$14.84M · loan HK$14.84M · min. income ≈ HK$143,818/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,261,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,278
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$77,297
−HK$2,048/mo
Today · 4.125%
HK$79,345
baseline
▲ 0.50% · 4.625%
HK$83,527
+HK$4,182/mo
Deposit HK$14.84M · loan HK$14.84M · min. income ≈ HK$158,690/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,261,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,199
−HK$5,092/mo
▼ 0.25% · 3.875%
HK$83,725
−HK$2,566/mo
Today · 4.125%
HK$86,291
baseline
▲ 0.50% · 4.625%
HK$91,542
+HK$5,251/mo
Deposit HK$11.87M · loan HK$17.80M · min. income ≈ HK$172,582/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,261,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,333
−HK$4,881/mo
▼ 0.25% · 3.875%
HK$92,756
−HK$2,458/mo
Today · 4.125%
HK$95,214
baseline
▲ 0.50% · 4.625%
HK$100,233
+HK$5,019/mo
Deposit HK$11.87M · loan HK$17.80M · min. income ≈ HK$190,428/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,261,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,732
−HK$5,941/mo
▼ 0.25% · 3.875%
HK$97,679
−HK$2,994/mo
Today · 4.125%
HK$100,673
baseline
▲ 0.50% · 4.625%
HK$106,799
+HK$6,126/mo
Deposit HK$8.90M · loan HK$20.77M · min. income ≈ HK$201,346/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,261,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,389
−HK$5,694/mo
▼ 0.25% · 3.875%
HK$108,215
−HK$2,868/mo
Today · 4.125%
HK$111,083
baseline
▲ 0.50% · 4.625%
HK$116,938
+HK$5,855/mo
Deposit HK$8.90M · loan HK$20.77M · min. income ≈ HK$222,166/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,261,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,799
−HK$7,638/mo
▼ 0.25% · 3.875%
HK$125,587
−HK$3,850/mo
Today · 4.125%
HK$129,437
baseline
▲ 0.50% · 4.625%
HK$137,313
+HK$7,876/mo
Deposit HK$2.97M · loan HK$26.71M · min. income ≈ HK$258,874/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,261,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,500
−HK$7,321/mo
▼ 0.25% · 3.875%
HK$139,134
−HK$3,687/mo
Today · 4.125%
HK$142,821
baseline
▲ 0.50% · 4.625%
HK$150,349
+HK$7,528/mo
Deposit HK$2.97M · loan HK$26.71M · min. income ≈ HK$285,642/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,261,176 · Scale 2, in force from 26 Feb 2026)