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$67,567
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$69,669
−HK$2,135/mo
Today · 4.125%
HK$71,804
baseline
▲ 0.50% · 4.625%
HK$76,173
+HK$4,369/mo
Deposit HK$14.82M · loan HK$14.82M · min. income ≈ HK$143,608/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,259,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,168
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$77,184
−HK$2,045/mo
Today · 4.125%
HK$79,229
baseline
▲ 0.50% · 4.625%
HK$83,405
+HK$4,176/mo
Deposit HK$14.82M · loan HK$14.82M · min. income ≈ HK$158,458/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,259,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,081
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$83,603
−HK$2,562/mo
Today · 4.125%
HK$86,165
baseline
▲ 0.50% · 4.625%
HK$91,408
+HK$5,243/mo
Deposit HK$11.85M · loan HK$17.78M · min. income ≈ HK$172,330/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,259,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,201
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$92,621
−HK$2,454/mo
Today · 4.125%
HK$95,075
baseline
▲ 0.50% · 4.625%
HK$100,086
+HK$5,011/mo
Deposit HK$11.85M · loan HK$17.78M · min. income ≈ HK$190,150/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,259,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,594
−HK$5,932/mo
▼ 0.25% · 3.875%
HK$97,537
−HK$2,989/mo
Today · 4.125%
HK$100,526
baseline
▲ 0.50% · 4.625%
HK$106,643
+HK$6,117/mo
Deposit HK$8.89M · loan HK$20.74M · min. income ≈ HK$201,052/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,259,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,235
−HK$5,686/mo
▼ 0.25% · 3.875%
HK$108,057
−HK$2,864/mo
Today · 4.125%
HK$110,921
baseline
▲ 0.50% · 4.625%
HK$116,767
+HK$5,846/mo
Deposit HK$8.89M · loan HK$20.74M · min. income ≈ HK$221,842/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,259,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,621
−HK$7,627/mo
▼ 0.25% · 3.875%
HK$125,404
−HK$3,844/mo
Today · 4.125%
HK$129,248
baseline
▲ 0.50% · 4.625%
HK$137,112
+HK$7,864/mo
Deposit HK$2.96M · loan HK$26.67M · min. income ≈ HK$258,496/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,259,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,302
−HK$7,310/mo
▼ 0.25% · 3.875%
HK$138,931
−HK$3,681/mo
Today · 4.125%
HK$142,612
baseline
▲ 0.50% · 4.625%
HK$150,129
+HK$7,517/mo
Deposit HK$2.96M · loan HK$26.67M · min. income ≈ HK$285,224/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,259,336 · Scale 2, in force from 26 Feb 2026)