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$67,513
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$69,613
−HK$2,133/mo
Today · 4.125%
HK$71,746
baseline
▲ 0.50% · 4.625%
HK$76,112
+HK$4,366/mo
Deposit HK$14.80M · loan HK$14.80M · min. income ≈ HK$143,492/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,258,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,107
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$77,121
−HK$2,044/mo
Today · 4.125%
HK$79,165
baseline
▲ 0.50% · 4.625%
HK$83,338
+HK$4,173/mo
Deposit HK$14.80M · loan HK$14.80M · min. income ≈ HK$158,330/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,258,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,015
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$83,535
−HK$2,560/mo
Today · 4.125%
HK$86,095
baseline
▲ 0.50% · 4.625%
HK$91,334
+HK$5,239/mo
Deposit HK$11.84M · loan HK$17.76M · min. income ≈ HK$172,190/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,258,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,128
−HK$4,870/mo
▼ 0.25% · 3.875%
HK$92,546
−HK$2,452/mo
Today · 4.125%
HK$94,998
baseline
▲ 0.50% · 4.625%
HK$100,005
+HK$5,007/mo
Deposit HK$11.84M · loan HK$17.76M · min. income ≈ HK$189,996/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,258,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,518
−HK$5,927/mo
▼ 0.25% · 3.875%
HK$97,458
−HK$2,987/mo
Today · 4.125%
HK$100,445
baseline
▲ 0.50% · 4.625%
HK$106,556
+HK$6,111/mo
Deposit HK$8.88M · loan HK$20.73M · min. income ≈ HK$200,890/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,150
−HK$5,681/mo
▼ 0.25% · 3.875%
HK$107,970
−HK$2,861/mo
Today · 4.125%
HK$110,831
baseline
▲ 0.50% · 4.625%
HK$116,673
+HK$5,842/mo
Deposit HK$8.88M · loan HK$20.73M · min. income ≈ HK$221,662/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,523
−HK$7,620/mo
▼ 0.25% · 3.875%
HK$125,303
−HK$3,840/mo
Today · 4.125%
HK$129,143
baseline
▲ 0.50% · 4.625%
HK$137,001
+HK$7,858/mo
Deposit HK$2.96M · loan HK$26.65M · min. income ≈ HK$258,286/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,193
−HK$7,304/mo
▼ 0.25% · 3.875%
HK$138,818
−HK$3,679/mo
Today · 4.125%
HK$142,497
baseline
▲ 0.50% · 4.625%
HK$150,008
+HK$7,511/mo
Deposit HK$2.96M · loan HK$26.65M · min. income ≈ HK$284,994/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,316 · Scale 2, in force from 26 Feb 2026)