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$67,927
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$70,039
−HK$2,147/mo
Today · 4.125%
HK$72,186
baseline
▲ 0.50% · 4.625%
HK$76,578
+HK$4,392/mo
Deposit HK$14.89M · loan HK$14.89M · min. income ≈ HK$144,372/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,266,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,568
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$77,594
−HK$2,056/mo
Today · 4.125%
HK$79,650
baseline
▲ 0.50% · 4.625%
HK$83,849
+HK$4,199/mo
Deposit HK$14.89M · loan HK$14.89M · min. income ≈ HK$159,300/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,266,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,512
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$84,047
−HK$2,576/mo
Today · 4.125%
HK$86,623
baseline
▲ 0.50% · 4.625%
HK$91,894
+HK$5,271/mo
Deposit HK$11.92M · loan HK$17.87M · min. income ≈ HK$173,246/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,266,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,681
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$93,113
−HK$2,467/mo
Today · 4.125%
HK$95,580
baseline
▲ 0.50% · 4.625%
HK$100,618
+HK$5,038/mo
Deposit HK$11.92M · loan HK$17.87M · min. income ≈ HK$191,160/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,266,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,097
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$98,055
−HK$3,006/mo
Today · 4.125%
HK$101,061
baseline
▲ 0.50% · 4.625%
HK$107,210
+HK$6,149/mo
Deposit HK$8.94M · loan HK$20.85M · min. income ≈ HK$202,122/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,266,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,795
−HK$5,715/mo
▼ 0.25% · 3.875%
HK$108,632
−HK$2,878/mo
Today · 4.125%
HK$111,510
baseline
▲ 0.50% · 4.625%
HK$117,388
+HK$5,878/mo
Deposit HK$8.94M · loan HK$20.85M · min. income ≈ HK$223,020/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,266,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,268
−HK$7,667/mo
▼ 0.25% · 3.875%
HK$126,071
−HK$3,864/mo
Today · 4.125%
HK$129,935
baseline
▲ 0.50% · 4.625%
HK$137,841
+HK$7,906/mo
Deposit HK$2.98M · loan HK$26.81M · min. income ≈ HK$259,870/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,266,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,022
−HK$7,348/mo
▼ 0.25% · 3.875%
HK$139,670
−HK$3,700/mo
Today · 4.125%
HK$143,370
baseline
▲ 0.50% · 4.625%
HK$150,928
+HK$7,558/mo
Deposit HK$2.98M · loan HK$26.81M · min. income ≈ HK$286,740/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,266,032 · Scale 2, in force from 26 Feb 2026)