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$67,474
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$69,573
−HK$2,132/mo
Today · 4.125%
HK$71,705
baseline
▲ 0.50% · 4.625%
HK$76,068
+HK$4,363/mo
Deposit HK$14.80M · loan HK$14.80M · min. income ≈ HK$143,410/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,257,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,064
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$77,078
−HK$2,042/mo
Today · 4.125%
HK$79,120
baseline
▲ 0.50% · 4.625%
HK$83,290
+HK$4,170/mo
Deposit HK$14.80M · loan HK$14.80M · min. income ≈ HK$158,240/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,257,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,969
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$83,488
−HK$2,558/mo
Today · 4.125%
HK$86,046
baseline
▲ 0.50% · 4.625%
HK$91,282
+HK$5,236/mo
Deposit HK$11.84M · loan HK$17.75M · min. income ≈ HK$172,092/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,257,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,077
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$92,493
−HK$2,451/mo
Today · 4.125%
HK$94,944
baseline
▲ 0.50% · 4.625%
HK$99,948
+HK$5,004/mo
Deposit HK$11.84M · loan HK$17.75M · min. income ≈ HK$189,888/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,257,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,464
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$97,402
−HK$2,986/mo
Today · 4.125%
HK$100,388
baseline
▲ 0.50% · 4.625%
HK$106,496
+HK$6,108/mo
Deposit HK$8.88M · loan HK$20.71M · min. income ≈ HK$200,776/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,257,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,090
−HK$5,678/mo
▼ 0.25% · 3.875%
HK$107,909
−HK$2,859/mo
Today · 4.125%
HK$110,768
baseline
▲ 0.50% · 4.625%
HK$116,606
+HK$5,838/mo
Deposit HK$8.88M · loan HK$20.71M · min. income ≈ HK$221,536/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,257,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,453
−HK$7,617/mo
▼ 0.25% · 3.875%
HK$125,231
−HK$3,839/mo
Today · 4.125%
HK$129,070
baseline
▲ 0.50% · 4.625%
HK$136,923
+HK$7,853/mo
Deposit HK$2.96M · loan HK$26.63M · min. income ≈ HK$258,140/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,257,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,116
−HK$7,300/mo
▼ 0.25% · 3.875%
HK$138,740
−HK$3,676/mo
Today · 4.125%
HK$142,416
baseline
▲ 0.50% · 4.625%
HK$149,923
+HK$7,507/mo
Deposit HK$2.96M · loan HK$26.63M · min. income ≈ HK$284,832/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,257,601 · Scale 2, in force from 26 Feb 2026)