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$67,538
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$69,638
−HK$2,135/mo
Today · 4.125%
HK$71,773
baseline
▲ 0.50% · 4.625%
HK$76,140
+HK$4,367/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$143,546/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,258,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,135
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$77,150
−HK$2,044/mo
Today · 4.125%
HK$79,194
baseline
▲ 0.50% · 4.625%
HK$83,369
+HK$4,175/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$158,388/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,258,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,045
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$83,566
−HK$2,561/mo
Today · 4.125%
HK$86,127
baseline
▲ 0.50% · 4.625%
HK$91,368
+HK$5,241/mo
Deposit HK$11.85M · loan HK$17.77M · min. income ≈ HK$172,254/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,258,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,162
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$92,580
−HK$2,453/mo
Today · 4.125%
HK$95,033
baseline
▲ 0.50% · 4.625%
HK$100,042
+HK$5,009/mo
Deposit HK$11.85M · loan HK$17.77M · min. income ≈ HK$190,066/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,258,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,553
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$97,494
−HK$2,988/mo
Today · 4.125%
HK$100,482
baseline
▲ 0.50% · 4.625%
HK$106,596
+HK$6,114/mo
Deposit HK$8.89M · loan HK$20.73M · min. income ≈ HK$200,964/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,189
−HK$5,683/mo
▼ 0.25% · 3.875%
HK$108,010
−HK$2,862/mo
Today · 4.125%
HK$110,872
baseline
▲ 0.50% · 4.625%
HK$116,716
+HK$5,844/mo
Deposit HK$8.89M · loan HK$20.73M · min. income ≈ HK$221,744/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,568
−HK$7,623/mo
▼ 0.25% · 3.875%
HK$125,349
−HK$3,842/mo
Today · 4.125%
HK$129,191
baseline
▲ 0.50% · 4.625%
HK$137,052
+HK$7,861/mo
Deposit HK$2.96M · loan HK$26.66M · min. income ≈ HK$258,382/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,243
−HK$7,306/mo
▼ 0.25% · 3.875%
HK$138,870
−HK$3,679/mo
Today · 4.125%
HK$142,549
baseline
▲ 0.50% · 4.625%
HK$150,063
+HK$7,514/mo
Deposit HK$2.96M · loan HK$26.66M · min. income ≈ HK$285,098/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,783 · Scale 2, in force from 26 Feb 2026)