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$67,684
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$69,789
−HK$2,139/mo
Today · 4.125%
HK$71,928
baseline
▲ 0.50% · 4.625%
HK$76,305
+HK$4,377/mo
Deposit HK$14.84M · loan HK$14.84M · min. income ≈ HK$143,856/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,261,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,297
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$77,317
−HK$2,048/mo
Today · 4.125%
HK$79,365
baseline
▲ 0.50% · 4.625%
HK$83,549
+HK$4,184/mo
Deposit HK$14.84M · loan HK$14.84M · min. income ≈ HK$158,730/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,261,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,220
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$83,747
−HK$2,566/mo
Today · 4.125%
HK$86,313
baseline
▲ 0.50% · 4.625%
HK$91,565
+HK$5,252/mo
Deposit HK$11.87M · loan HK$17.81M · min. income ≈ HK$172,626/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,261,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,357
−HK$4,881/mo
▼ 0.25% · 3.875%
HK$92,780
−HK$2,458/mo
Today · 4.125%
HK$95,238
baseline
▲ 0.50% · 4.625%
HK$100,259
+HK$5,021/mo
Deposit HK$11.87M · loan HK$17.81M · min. income ≈ HK$190,476/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,261,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,757
−HK$5,942/mo
▼ 0.25% · 3.875%
HK$97,704
−HK$2,995/mo
Today · 4.125%
HK$100,699
baseline
▲ 0.50% · 4.625%
HK$106,826
+HK$6,127/mo
Deposit HK$8.90M · loan HK$20.78M · min. income ≈ HK$201,398/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$1,261,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,416
−HK$5,695/mo
▼ 0.25% · 3.875%
HK$108,243
−HK$2,868/mo
Today · 4.125%
HK$111,111
baseline
▲ 0.50% · 4.625%
HK$116,968
+HK$5,857/mo
Deposit HK$8.90M · loan HK$20.78M · min. income ≈ HK$222,222/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$1,261,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,830
−HK$7,640/mo
▼ 0.25% · 3.875%
HK$125,620
−HK$3,850/mo
Today · 4.125%
HK$129,470
baseline
▲ 0.50% · 4.625%
HK$137,348
+HK$7,878/mo
Deposit HK$2.97M · loan HK$26.71M · min. income ≈ HK$258,940/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,261,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,535
−HK$7,323/mo
▼ 0.25% · 3.875%
HK$139,170
−HK$3,688/mo
Today · 4.125%
HK$142,858
baseline
▲ 0.50% · 4.625%
HK$150,388
+HK$7,530/mo
Deposit HK$2.97M · loan HK$26.71M · min. income ≈ HK$285,716/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,261,504 · Scale 2, in force from 26 Feb 2026)