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$67,709
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$69,815
−HK$2,140/mo
Today · 4.125%
HK$71,955
baseline
▲ 0.50% · 4.625%
HK$76,333
+HK$4,378/mo
Deposit HK$14.85M · loan HK$14.85M · min. income ≈ HK$143,910/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,261,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,325
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$77,346
−HK$2,049/mo
Today · 4.125%
HK$79,395
baseline
▲ 0.50% · 4.625%
HK$83,580
+HK$4,185/mo
Deposit HK$14.85M · loan HK$14.85M · min. income ≈ HK$158,790/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,261,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,251
−HK$5,095/mo
▼ 0.25% · 3.875%
HK$83,778
−HK$2,568/mo
Today · 4.125%
HK$86,346
baseline
▲ 0.50% · 4.625%
HK$91,600
+HK$5,254/mo
Deposit HK$11.88M · loan HK$17.82M · min. income ≈ HK$172,692/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,261,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,390
−HK$4,884/mo
▼ 0.25% · 3.875%
HK$92,815
−HK$2,459/mo
Today · 4.125%
HK$95,274
baseline
▲ 0.50% · 4.625%
HK$100,296
+HK$5,022/mo
Deposit HK$11.88M · loan HK$17.82M · min. income ≈ HK$190,548/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,261,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,792
−HK$5,945/mo
▼ 0.25% · 3.875%
HK$97,741
−HK$2,996/mo
Today · 4.125%
HK$100,737
baseline
▲ 0.50% · 4.625%
HK$106,866
+HK$6,129/mo
Deposit HK$8.91M · loan HK$20.79M · min. income ≈ HK$201,474/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$1,261,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,456
−HK$5,697/mo
▼ 0.25% · 3.875%
HK$108,284
−HK$2,869/mo
Today · 4.125%
HK$111,153
baseline
▲ 0.50% · 4.625%
HK$117,012
+HK$5,859/mo
Deposit HK$8.91M · loan HK$20.79M · min. income ≈ HK$222,306/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$1,261,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,876
−HK$7,643/mo
▼ 0.25% · 3.875%
HK$125,667
−HK$3,852/mo
Today · 4.125%
HK$129,519
baseline
▲ 0.50% · 4.625%
HK$137,399
+HK$7,880/mo
Deposit HK$2.97M · loan HK$26.72M · min. income ≈ HK$259,038/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,261,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,586
−HK$7,325/mo
▼ 0.25% · 3.875%
HK$139,222
−HK$3,689/mo
Today · 4.125%
HK$142,911
baseline
▲ 0.50% · 4.625%
HK$150,444
+HK$7,533/mo
Deposit HK$2.97M · loan HK$26.72M · min. income ≈ HK$285,822/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,261,975 · Scale 2, in force from 26 Feb 2026)