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$67,881
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$69,993
−HK$2,145/mo
Today · 4.125%
HK$72,138
baseline
▲ 0.50% · 4.625%
HK$76,528
+HK$4,390/mo
Deposit HK$14.88M · loan HK$14.88M · min. income ≈ HK$144,276/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,265,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,517
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$77,543
−HK$2,054/mo
Today · 4.125%
HK$79,597
baseline
▲ 0.50% · 4.625%
HK$83,793
+HK$4,196/mo
Deposit HK$14.88M · loan HK$14.88M · min. income ≈ HK$159,194/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,265,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,458
−HK$5,108/mo
▼ 0.25% · 3.875%
HK$83,992
−HK$2,574/mo
Today · 4.125%
HK$86,566
baseline
▲ 0.50% · 4.625%
HK$91,833
+HK$5,267/mo
Deposit HK$11.91M · loan HK$17.86M · min. income ≈ HK$173,132/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,265,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,621
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$93,051
−HK$2,466/mo
Today · 4.125%
HK$95,517
baseline
▲ 0.50% · 4.625%
HK$100,552
+HK$5,035/mo
Deposit HK$11.91M · loan HK$17.86M · min. income ≈ HK$191,034/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,265,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,034
−HK$5,960/mo
▼ 0.25% · 3.875%
HK$97,990
−HK$3,004/mo
Today · 4.125%
HK$100,994
baseline
▲ 0.50% · 4.625%
HK$107,139
+HK$6,145/mo
Deposit HK$8.93M · loan HK$20.84M · min. income ≈ HK$201,988/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,265,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,724
−HK$5,712/mo
▼ 0.25% · 3.875%
HK$108,560
−HK$2,876/mo
Today · 4.125%
HK$111,436
baseline
▲ 0.50% · 4.625%
HK$117,310
+HK$5,874/mo
Deposit HK$8.93M · loan HK$20.84M · min. income ≈ HK$222,872/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,265,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,187
−HK$7,662/mo
▼ 0.25% · 3.875%
HK$125,987
−HK$3,862/mo
Today · 4.125%
HK$129,849
baseline
▲ 0.50% · 4.625%
HK$137,750
+HK$7,901/mo
Deposit HK$2.98M · loan HK$26.79M · min. income ≈ HK$259,698/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,265,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,931
−HK$7,344/mo
▼ 0.25% · 3.875%
HK$139,577
−HK$3,698/mo
Today · 4.125%
HK$143,275
baseline
▲ 0.50% · 4.625%
HK$150,828
+HK$7,553/mo
Deposit HK$2.98M · loan HK$26.79M · min. income ≈ HK$286,550/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,265,193 · Scale 2, in force from 26 Feb 2026)