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$67,461
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$69,559
−HK$2,132/mo
Today · 4.125%
HK$71,691
baseline
▲ 0.50% · 4.625%
HK$76,054
+HK$4,363/mo
Deposit HK$14.79M · loan HK$14.79M · min. income ≈ HK$143,382/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,257,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,050
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$77,062
−HK$2,042/mo
Today · 4.125%
HK$79,104
baseline
▲ 0.50% · 4.625%
HK$83,274
+HK$4,170/mo
Deposit HK$14.79M · loan HK$14.79M · min. income ≈ HK$158,208/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,257,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,953
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$83,471
−HK$2,559/mo
Today · 4.125%
HK$86,030
baseline
▲ 0.50% · 4.625%
HK$91,264
+HK$5,234/mo
Deposit HK$11.83M · loan HK$17.75M · min. income ≈ HK$172,060/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,257,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,060
−HK$4,865/mo
▼ 0.25% · 3.875%
HK$92,475
−HK$2,450/mo
Today · 4.125%
HK$94,925
baseline
▲ 0.50% · 4.625%
HK$99,929
+HK$5,004/mo
Deposit HK$11.83M · loan HK$17.75M · min. income ≈ HK$189,850/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,257,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,445
−HK$5,923/mo
▼ 0.25% · 3.875%
HK$97,383
−HK$2,985/mo
Today · 4.125%
HK$100,368
baseline
▲ 0.50% · 4.625%
HK$106,475
+HK$6,107/mo
Deposit HK$8.88M · loan HK$20.71M · min. income ≈ HK$200,736/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,257,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,069
−HK$5,677/mo
▼ 0.25% · 3.875%
HK$107,887
−HK$2,859/mo
Today · 4.125%
HK$110,746
baseline
▲ 0.50% · 4.625%
HK$116,584
+HK$5,838/mo
Deposit HK$8.88M · loan HK$20.71M · min. income ≈ HK$221,492/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,257,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,430
−HK$7,614/mo
▼ 0.25% · 3.875%
HK$125,207
−HK$3,837/mo
Today · 4.125%
HK$129,044
baseline
▲ 0.50% · 4.625%
HK$136,896
+HK$7,852/mo
Deposit HK$2.96M · loan HK$26.63M · min. income ≈ HK$258,088/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,257,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,089
−HK$7,299/mo
▼ 0.25% · 3.875%
HK$138,712
−HK$3,676/mo
Today · 4.125%
HK$142,388
baseline
▲ 0.50% · 4.625%
HK$149,893
+HK$7,505/mo
Deposit HK$2.96M · loan HK$26.63M · min. income ≈ HK$284,776/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,257,354 · Scale 2, in force from 26 Feb 2026)