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$67,846
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$69,957
−HK$2,144/mo
Today · 4.125%
HK$72,101
baseline
▲ 0.50% · 4.625%
HK$76,488
+HK$4,387/mo
Deposit HK$14.88M · loan HK$14.88M · min. income ≈ HK$144,202/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,264,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,478
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$77,502
−HK$2,054/mo
Today · 4.125%
HK$79,556
baseline
▲ 0.50% · 4.625%
HK$83,750
+HK$4,194/mo
Deposit HK$14.88M · loan HK$14.88M · min. income ≈ HK$159,112/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,264,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,415
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$83,948
−HK$2,573/mo
Today · 4.125%
HK$86,521
baseline
▲ 0.50% · 4.625%
HK$91,785
+HK$5,264/mo
Deposit HK$11.90M · loan HK$17.85M · min. income ≈ HK$173,042/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,264,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,574
−HK$4,893/mo
▼ 0.25% · 3.875%
HK$93,003
−HK$2,464/mo
Today · 4.125%
HK$95,467
baseline
▲ 0.50% · 4.625%
HK$100,499
+HK$5,032/mo
Deposit HK$11.90M · loan HK$17.85M · min. income ≈ HK$190,934/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,264,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,985
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$97,939
−HK$3,002/mo
Today · 4.125%
HK$100,941
baseline
▲ 0.50% · 4.625%
HK$107,083
+HK$6,142/mo
Deposit HK$8.93M · loan HK$20.83M · min. income ≈ HK$201,882/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,264,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,669
−HK$5,709/mo
▼ 0.25% · 3.875%
HK$108,503
−HK$2,875/mo
Today · 4.125%
HK$111,378
baseline
▲ 0.50% · 4.625%
HK$117,249
+HK$5,871/mo
Deposit HK$8.93M · loan HK$20.83M · min. income ≈ HK$222,756/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,264,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,123
−HK$7,658/mo
▼ 0.25% · 3.875%
HK$125,922
−HK$3,859/mo
Today · 4.125%
HK$129,781
baseline
▲ 0.50% · 4.625%
HK$137,678
+HK$7,897/mo
Deposit HK$2.98M · loan HK$26.78M · min. income ≈ HK$259,562/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,264,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,861
−HK$7,340/mo
▼ 0.25% · 3.875%
HK$139,504
−HK$3,697/mo
Today · 4.125%
HK$143,201
baseline
▲ 0.50% · 4.625%
HK$150,749
+HK$7,548/mo
Deposit HK$2.98M · loan HK$26.78M · min. income ≈ HK$286,402/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,264,535 · Scale 2, in force from 26 Feb 2026)