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$67,795
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$69,904
−HK$2,143/mo
Today · 4.125%
HK$72,047
baseline
▲ 0.50% · 4.625%
HK$76,431
+HK$4,384/mo
Deposit HK$14.87M · loan HK$14.87M · min. income ≈ HK$144,094/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,263,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,422
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$77,444
−HK$2,053/mo
Today · 4.125%
HK$79,497
baseline
▲ 0.50% · 4.625%
HK$83,687
+HK$4,190/mo
Deposit HK$14.87M · loan HK$14.87M · min. income ≈ HK$158,994/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,263,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,354
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$83,885
−HK$2,571/mo
Today · 4.125%
HK$86,456
baseline
▲ 0.50% · 4.625%
HK$91,717
+HK$5,261/mo
Deposit HK$11.89M · loan HK$17.84M · min. income ≈ HK$172,912/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,263,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,506
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$92,933
−HK$2,463/mo
Today · 4.125%
HK$95,396
baseline
▲ 0.50% · 4.625%
HK$100,424
+HK$5,028/mo
Deposit HK$11.89M · loan HK$17.84M · min. income ≈ HK$190,792/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,263,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,914
−HK$5,951/mo
▼ 0.25% · 3.875%
HK$97,866
−HK$2,999/mo
Today · 4.125%
HK$100,865
baseline
▲ 0.50% · 4.625%
HK$107,003
+HK$6,138/mo
Deposit HK$8.92M · loan HK$20.81M · min. income ≈ HK$201,730/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,263,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,590
−HK$5,705/mo
▼ 0.25% · 3.875%
HK$108,422
−HK$2,873/mo
Today · 4.125%
HK$111,295
baseline
▲ 0.50% · 4.625%
HK$117,162
+HK$5,867/mo
Deposit HK$8.92M · loan HK$20.81M · min. income ≈ HK$222,590/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,263,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,032
−HK$7,652/mo
▼ 0.25% · 3.875%
HK$125,828
−HK$3,856/mo
Today · 4.125%
HK$129,684
baseline
▲ 0.50% · 4.625%
HK$137,575
+HK$7,891/mo
Deposit HK$2.97M · loan HK$26.76M · min. income ≈ HK$259,368/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,263,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,759
−HK$7,335/mo
▼ 0.25% · 3.875%
HK$139,400
−HK$3,694/mo
Today · 4.125%
HK$143,094
baseline
▲ 0.50% · 4.625%
HK$150,636
+HK$7,542/mo
Deposit HK$2.97M · loan HK$26.76M · min. income ≈ HK$286,188/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,263,588 · Scale 2, in force from 26 Feb 2026)