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$67,634
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$69,738
−HK$2,137/mo
Today · 4.125%
HK$71,875
baseline
▲ 0.50% · 4.625%
HK$76,249
+HK$4,374/mo
Deposit HK$14.83M · loan HK$14.83M · min. income ≈ HK$143,750/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,260,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,242
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$77,260
−HK$2,047/mo
Today · 4.125%
HK$79,307
baseline
▲ 0.50% · 4.625%
HK$83,488
+HK$4,181/mo
Deposit HK$14.83M · loan HK$14.83M · min. income ≈ HK$158,614/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,260,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,161
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$83,685
−HK$2,565/mo
Today · 4.125%
HK$86,250
baseline
▲ 0.50% · 4.625%
HK$91,498
+HK$5,248/mo
Deposit HK$11.86M · loan HK$17.80M · min. income ≈ HK$172,500/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,260,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,290
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$92,712
−HK$2,457/mo
Today · 4.125%
HK$95,169
baseline
▲ 0.50% · 4.625%
HK$100,185
+HK$5,016/mo
Deposit HK$11.86M · loan HK$17.80M · min. income ≈ HK$190,338/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,260,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,687
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$97,633
−HK$2,992/mo
Today · 4.125%
HK$100,625
baseline
▲ 0.50% · 4.625%
HK$106,748
+HK$6,123/mo
Deposit HK$8.90M · loan HK$20.76M · min. income ≈ HK$201,250/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,260,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,339
−HK$5,691/mo
▼ 0.25% · 3.875%
HK$108,164
−HK$2,866/mo
Today · 4.125%
HK$111,030
baseline
▲ 0.50% · 4.625%
HK$116,883
+HK$5,853/mo
Deposit HK$8.90M · loan HK$20.76M · min. income ≈ HK$222,060/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,260,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,741
−HK$7,634/mo
▼ 0.25% · 3.875%
HK$125,528
−HK$3,847/mo
Today · 4.125%
HK$129,375
baseline
▲ 0.50% · 4.625%
HK$137,247
+HK$7,872/mo
Deposit HK$2.97M · loan HK$26.69M · min. income ≈ HK$258,750/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,260,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,436
−HK$7,317/mo
▼ 0.25% · 3.875%
HK$139,068
−HK$3,685/mo
Today · 4.125%
HK$142,753
baseline
▲ 0.50% · 4.625%
HK$150,278
+HK$7,525/mo
Deposit HK$2.97M · loan HK$26.69M · min. income ≈ HK$285,506/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,260,578 · Scale 2, in force from 26 Feb 2026)