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$67,494
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$69,593
−HK$2,133/mo
Today · 4.125%
HK$71,726
baseline
▲ 0.50% · 4.625%
HK$76,090
+HK$4,364/mo
Deposit HK$14.80M · loan HK$14.80M · min. income ≈ HK$143,452/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,257,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,086
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$77,100
−HK$2,043/mo
Today · 4.125%
HK$79,143
baseline
▲ 0.50% · 4.625%
HK$83,314
+HK$4,171/mo
Deposit HK$14.80M · loan HK$14.80M · min. income ≈ HK$158,286/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,257,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,992
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$83,512
−HK$2,559/mo
Today · 4.125%
HK$86,071
baseline
▲ 0.50% · 4.625%
HK$91,309
+HK$5,238/mo
Deposit HK$11.84M · loan HK$17.76M · min. income ≈ HK$172,142/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,257,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,103
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$92,520
−HK$2,451/mo
Today · 4.125%
HK$94,971
baseline
▲ 0.50% · 4.625%
HK$99,977
+HK$5,006/mo
Deposit HK$11.84M · loan HK$17.76M · min. income ≈ HK$189,942/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,257,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,491
−HK$5,926/mo
▼ 0.25% · 3.875%
HK$97,430
−HK$2,987/mo
Today · 4.125%
HK$100,417
baseline
▲ 0.50% · 4.625%
HK$106,527
+HK$6,110/mo
Deposit HK$8.88M · loan HK$20.72M · min. income ≈ HK$200,834/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,257,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,120
−HK$5,680/mo
▼ 0.25% · 3.875%
HK$107,940
−HK$2,860/mo
Today · 4.125%
HK$110,800
baseline
▲ 0.50% · 4.625%
HK$116,640
+HK$5,840/mo
Deposit HK$8.88M · loan HK$20.72M · min. income ≈ HK$221,600/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,257,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,489
−HK$7,618/mo
▼ 0.25% · 3.875%
HK$125,268
−HK$3,839/mo
Today · 4.125%
HK$129,107
baseline
▲ 0.50% · 4.625%
HK$136,963
+HK$7,856/mo
Deposit HK$2.96M · loan HK$26.64M · min. income ≈ HK$258,214/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,257,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,155
−HK$7,302/mo
▼ 0.25% · 3.875%
HK$138,780
−HK$3,677/mo
Today · 4.125%
HK$142,457
baseline
▲ 0.50% · 4.625%
HK$149,966
+HK$7,509/mo
Deposit HK$2.96M · loan HK$26.64M · min. income ≈ HK$284,914/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,257,964 · Scale 2, in force from 26 Feb 2026)