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$67,478
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$69,577
−HK$2,132/mo
Today · 4.125%
HK$71,709
baseline
▲ 0.50% · 4.625%
HK$76,073
+HK$4,364/mo
Deposit HK$14.80M · loan HK$14.80M · min. income ≈ HK$143,418/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,257,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,069
−HK$4,055/mo
▼ 0.25% · 3.875%
HK$77,082
−HK$2,042/mo
Today · 4.125%
HK$79,124
baseline
▲ 0.50% · 4.625%
HK$83,295
+HK$4,171/mo
Deposit HK$14.80M · loan HK$14.80M · min. income ≈ HK$158,248/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,257,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,974
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$83,492
−HK$2,559/mo
Today · 4.125%
HK$86,051
baseline
▲ 0.50% · 4.625%
HK$91,287
+HK$5,236/mo
Deposit HK$11.84M · loan HK$17.76M · min. income ≈ HK$172,102/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,257,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,082
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$92,498
−HK$2,451/mo
Today · 4.125%
HK$94,949
baseline
▲ 0.50% · 4.625%
HK$99,954
+HK$5,005/mo
Deposit HK$11.84M · loan HK$17.76M · min. income ≈ HK$189,898/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,257,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,469
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$97,408
−HK$2,985/mo
Today · 4.125%
HK$100,393
baseline
▲ 0.50% · 4.625%
HK$106,502
+HK$6,109/mo
Deposit HK$8.88M · loan HK$20.71M · min. income ≈ HK$200,786/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,257,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,096
−HK$5,678/mo
▼ 0.25% · 3.875%
HK$107,915
−HK$2,859/mo
Today · 4.125%
HK$110,774
baseline
▲ 0.50% · 4.625%
HK$116,613
+HK$5,839/mo
Deposit HK$8.88M · loan HK$20.71M · min. income ≈ HK$221,548/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,257,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,460
−HK$7,617/mo
▼ 0.25% · 3.875%
HK$125,238
−HK$3,839/mo
Today · 4.125%
HK$129,077
baseline
▲ 0.50% · 4.625%
HK$136,931
+HK$7,854/mo
Deposit HK$2.96M · loan HK$26.63M · min. income ≈ HK$258,154/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,257,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,123
−HK$7,301/mo
▼ 0.25% · 3.875%
HK$138,747
−HK$3,677/mo
Today · 4.125%
HK$142,424
baseline
▲ 0.50% · 4.625%
HK$149,931
+HK$7,507/mo
Deposit HK$2.96M · loan HK$26.63M · min. income ≈ HK$284,848/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,257,672 · Scale 2, in force from 26 Feb 2026)