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$67,723
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$69,830
−HK$2,140/mo
Today · 4.125%
HK$71,970
baseline
▲ 0.50% · 4.625%
HK$76,349
+HK$4,379/mo
Deposit HK$14.85M · loan HK$14.85M · min. income ≈ HK$143,940/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,262,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,341
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$77,362
−HK$2,050/mo
Today · 4.125%
HK$79,412
baseline
▲ 0.50% · 4.625%
HK$83,598
+HK$4,186/mo
Deposit HK$14.85M · loan HK$14.85M · min. income ≈ HK$158,824/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,262,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,268
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$83,796
−HK$2,568/mo
Today · 4.125%
HK$86,364
baseline
▲ 0.50% · 4.625%
HK$91,619
+HK$5,255/mo
Deposit HK$11.88M · loan HK$17.82M · min. income ≈ HK$172,728/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,262,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,410
−HK$4,884/mo
▼ 0.25% · 3.875%
HK$92,834
−HK$2,460/mo
Today · 4.125%
HK$95,294
baseline
▲ 0.50% · 4.625%
HK$100,317
+HK$5,023/mo
Deposit HK$11.88M · loan HK$17.82M · min. income ≈ HK$190,588/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,262,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,812
−HK$5,946/mo
▼ 0.25% · 3.875%
HK$97,762
−HK$2,996/mo
Today · 4.125%
HK$100,758
baseline
▲ 0.50% · 4.625%
HK$106,889
+HK$6,131/mo
Deposit HK$8.91M · loan HK$20.79M · min. income ≈ HK$201,516/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$1,262,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,478
−HK$5,699/mo
▼ 0.25% · 3.875%
HK$108,307
−HK$2,870/mo
Today · 4.125%
HK$111,177
baseline
▲ 0.50% · 4.625%
HK$117,037
+HK$5,860/mo
Deposit HK$8.91M · loan HK$20.79M · min. income ≈ HK$222,354/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$1,262,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,902
−HK$7,644/mo
▼ 0.25% · 3.875%
HK$125,694
−HK$3,852/mo
Today · 4.125%
HK$129,546
baseline
▲ 0.50% · 4.625%
HK$137,429
+HK$7,883/mo
Deposit HK$2.97M · loan HK$26.73M · min. income ≈ HK$259,092/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,262,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,615
−HK$7,326/mo
▼ 0.25% · 3.875%
HK$139,252
−HK$3,689/mo
Today · 4.125%
HK$142,941
baseline
▲ 0.50% · 4.625%
HK$150,476
+HK$7,535/mo
Deposit HK$2.97M · loan HK$26.73M · min. income ≈ HK$285,882/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,262,243 · Scale 2, in force from 26 Feb 2026)