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$67,519
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$69,620
−HK$2,134/mo
Today · 4.125%
HK$71,754
baseline
▲ 0.50% · 4.625%
HK$76,120
+HK$4,366/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$143,508/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,258,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,115
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$77,129
−HK$2,044/mo
Today · 4.125%
HK$79,173
baseline
▲ 0.50% · 4.625%
HK$83,346
+HK$4,173/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$158,346/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,258,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,023
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$83,544
−HK$2,560/mo
Today · 4.125%
HK$86,104
baseline
▲ 0.50% · 4.625%
HK$91,343
+HK$5,239/mo
Deposit HK$11.84M · loan HK$17.77M · min. income ≈ HK$172,208/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,258,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,138
−HK$4,870/mo
▼ 0.25% · 3.875%
HK$92,555
−HK$2,453/mo
Today · 4.125%
HK$95,008
baseline
▲ 0.50% · 4.625%
HK$100,016
+HK$5,008/mo
Deposit HK$11.84M · loan HK$17.77M · min. income ≈ HK$190,016/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,258,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,527
−HK$5,928/mo
▼ 0.25% · 3.875%
HK$97,468
−HK$2,987/mo
Today · 4.125%
HK$100,455
baseline
▲ 0.50% · 4.625%
HK$106,567
+HK$6,112/mo
Deposit HK$8.88M · loan HK$20.73M · min. income ≈ HK$200,910/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,161
−HK$5,681/mo
▼ 0.25% · 3.875%
HK$107,981
−HK$2,861/mo
Today · 4.125%
HK$110,842
baseline
▲ 0.50% · 4.625%
HK$116,685
+HK$5,843/mo
Deposit HK$8.88M · loan HK$20.73M · min. income ≈ HK$221,684/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,535
−HK$7,621/mo
▼ 0.25% · 3.875%
HK$125,315
−HK$3,841/mo
Today · 4.125%
HK$129,156
baseline
▲ 0.50% · 4.625%
HK$137,015
+HK$7,859/mo
Deposit HK$2.96M · loan HK$26.65M · min. income ≈ HK$258,312/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,207
−HK$7,304/mo
▼ 0.25% · 3.875%
HK$138,833
−HK$3,678/mo
Today · 4.125%
HK$142,511
baseline
▲ 0.50% · 4.625%
HK$150,023
+HK$7,512/mo
Deposit HK$2.96M · loan HK$26.65M · min. income ≈ HK$285,022/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,445 · Scale 2, in force from 26 Feb 2026)