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$67,729
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$69,836
−HK$2,140/mo
Today · 4.125%
HK$71,976
baseline
▲ 0.50% · 4.625%
HK$76,356
+HK$4,380/mo
Deposit HK$14.85M · loan HK$14.85M · min. income ≈ HK$143,952/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,262,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,348
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$77,368
−HK$2,050/mo
Today · 4.125%
HK$79,418
baseline
▲ 0.50% · 4.625%
HK$83,605
+HK$4,187/mo
Deposit HK$14.85M · loan HK$14.85M · min. income ≈ HK$158,836/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,262,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,275
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$83,803
−HK$2,568/mo
Today · 4.125%
HK$86,371
baseline
▲ 0.50% · 4.625%
HK$91,627
+HK$5,256/mo
Deposit HK$11.88M · loan HK$17.82M · min. income ≈ HK$172,742/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,262,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,417
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$92,842
−HK$2,460/mo
Today · 4.125%
HK$95,302
baseline
▲ 0.50% · 4.625%
HK$100,326
+HK$5,024/mo
Deposit HK$11.88M · loan HK$17.82M · min. income ≈ HK$190,604/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,262,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,820
−HK$5,946/mo
▼ 0.25% · 3.875%
HK$97,770
−HK$2,996/mo
Today · 4.125%
HK$100,766
baseline
▲ 0.50% · 4.625%
HK$106,898
+HK$6,132/mo
Deposit HK$8.91M · loan HK$20.79M · min. income ≈ HK$201,532/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$1,262,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,487
−HK$5,699/mo
▼ 0.25% · 3.875%
HK$108,316
−HK$2,870/mo
Today · 4.125%
HK$111,186
baseline
▲ 0.50% · 4.625%
HK$117,047
+HK$5,861/mo
Deposit HK$8.91M · loan HK$20.79M · min. income ≈ HK$222,372/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$1,262,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,912
−HK$7,645/mo
▼ 0.25% · 3.875%
HK$125,704
−HK$3,853/mo
Today · 4.125%
HK$129,557
baseline
▲ 0.50% · 4.625%
HK$137,440
+HK$7,883/mo
Deposit HK$2.97M · loan HK$26.73M · min. income ≈ HK$259,114/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,262,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,626
−HK$7,327/mo
▼ 0.25% · 3.875%
HK$139,263
−HK$3,690/mo
Today · 4.125%
HK$142,953
baseline
▲ 0.50% · 4.625%
HK$150,488
+HK$7,535/mo
Deposit HK$2.97M · loan HK$26.73M · min. income ≈ HK$285,906/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,262,347 · Scale 2, in force from 26 Feb 2026)