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$67,945
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$70,059
−HK$2,147/mo
Today · 4.125%
HK$72,206
baseline
▲ 0.50% · 4.625%
HK$76,600
+HK$4,394/mo
Deposit HK$14.90M · loan HK$14.90M · min. income ≈ HK$144,412/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,266,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,589
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$77,616
−HK$2,056/mo
Today · 4.125%
HK$79,672
baseline
▲ 0.50% · 4.625%
HK$83,872
+HK$4,200/mo
Deposit HK$14.90M · loan HK$14.90M · min. income ≈ HK$159,344/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,266,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,534
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$84,071
−HK$2,576/mo
Today · 4.125%
HK$86,647
baseline
▲ 0.50% · 4.625%
HK$91,920
+HK$5,273/mo
Deposit HK$11.92M · loan HK$17.88M · min. income ≈ HK$173,294/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,266,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,706
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$93,139
−HK$2,468/mo
Today · 4.125%
HK$95,607
baseline
▲ 0.50% · 4.625%
HK$100,646
+HK$5,039/mo
Deposit HK$11.92M · loan HK$17.88M · min. income ≈ HK$191,214/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,266,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,124
−HK$5,965/mo
▼ 0.25% · 3.875%
HK$98,082
−HK$3,007/mo
Today · 4.125%
HK$101,089
baseline
▲ 0.50% · 4.625%
HK$107,240
+HK$6,151/mo
Deposit HK$8.94M · loan HK$20.86M · min. income ≈ HK$202,178/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$1,266,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,824
−HK$5,717/mo
▼ 0.25% · 3.875%
HK$108,662
−HK$2,879/mo
Today · 4.125%
HK$111,541
baseline
▲ 0.50% · 4.625%
HK$117,421
+HK$5,880/mo
Deposit HK$8.94M · loan HK$20.86M · min. income ≈ HK$223,082/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$1,266,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,302
−HK$7,669/mo
▼ 0.25% · 3.875%
HK$126,106
−HK$3,865/mo
Today · 4.125%
HK$129,971
baseline
▲ 0.50% · 4.625%
HK$137,880
+HK$7,909/mo
Deposit HK$2.98M · loan HK$26.82M · min. income ≈ HK$259,942/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,266,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,059
−HK$7,351/mo
▼ 0.25% · 3.875%
HK$139,708
−HK$3,702/mo
Today · 4.125%
HK$143,410
baseline
▲ 0.50% · 4.625%
HK$150,970
+HK$7,560/mo
Deposit HK$2.98M · loan HK$26.82M · min. income ≈ HK$286,820/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,266,384 · Scale 2, in force from 26 Feb 2026)