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$67,680
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$69,785
−HK$2,139/mo
Today · 4.125%
HK$71,924
baseline
▲ 0.50% · 4.625%
HK$76,301
+HK$4,377/mo
Deposit HK$14.84M · loan HK$14.84M · min. income ≈ HK$143,848/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,261,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,294
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$77,313
−HK$2,048/mo
Today · 4.125%
HK$79,361
baseline
▲ 0.50% · 4.625%
HK$83,545
+HK$4,184/mo
Deposit HK$14.84M · loan HK$14.84M · min. income ≈ HK$158,722/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,261,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,216
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$83,743
−HK$2,566/mo
Today · 4.125%
HK$86,309
baseline
▲ 0.50% · 4.625%
HK$91,561
+HK$5,252/mo
Deposit HK$11.87M · loan HK$17.81M · min. income ≈ HK$172,618/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,261,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,352
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$92,776
−HK$2,458/mo
Today · 4.125%
HK$95,234
baseline
▲ 0.50% · 4.625%
HK$100,254
+HK$5,020/mo
Deposit HK$11.87M · loan HK$17.81M · min. income ≈ HK$190,468/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,261,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,752
−HK$5,942/mo
▼ 0.25% · 3.875%
HK$97,700
−HK$2,994/mo
Today · 4.125%
HK$100,694
baseline
▲ 0.50% · 4.625%
HK$106,821
+HK$6,127/mo
Deposit HK$8.90M · loan HK$20.78M · min. income ≈ HK$201,388/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$1,261,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,411
−HK$5,695/mo
▼ 0.25% · 3.875%
HK$108,238
−HK$2,868/mo
Today · 4.125%
HK$111,106
baseline
▲ 0.50% · 4.625%
HK$116,963
+HK$5,857/mo
Deposit HK$8.90M · loan HK$20.78M · min. income ≈ HK$222,212/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$1,261,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,824
−HK$7,640/mo
▼ 0.25% · 3.875%
HK$125,614
−HK$3,850/mo
Today · 4.125%
HK$129,464
baseline
▲ 0.50% · 4.625%
HK$137,342
+HK$7,878/mo
Deposit HK$2.97M · loan HK$26.71M · min. income ≈ HK$258,928/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,261,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,528
−HK$7,323/mo
▼ 0.25% · 3.875%
HK$139,163
−HK$3,688/mo
Today · 4.125%
HK$142,851
baseline
▲ 0.50% · 4.625%
HK$150,381
+HK$7,530/mo
Deposit HK$2.97M · loan HK$26.71M · min. income ≈ HK$285,702/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,261,442 · Scale 2, in force from 26 Feb 2026)