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$67,744
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$69,851
−HK$2,141/mo
Today · 4.125%
HK$71,992
baseline
▲ 0.50% · 4.625%
HK$76,372
+HK$4,380/mo
Deposit HK$14.85M · loan HK$14.85M · min. income ≈ HK$143,984/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,262,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,364
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$77,385
−HK$2,051/mo
Today · 4.125%
HK$79,436
baseline
▲ 0.50% · 4.625%
HK$83,623
+HK$4,187/mo
Deposit HK$14.85M · loan HK$14.85M · min. income ≈ HK$158,872/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,262,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,292
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$83,821
−HK$2,569/mo
Today · 4.125%
HK$86,390
baseline
▲ 0.50% · 4.625%
HK$91,647
+HK$5,257/mo
Deposit HK$11.88M · loan HK$17.83M · min. income ≈ HK$172,780/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,262,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,437
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$92,862
−HK$2,461/mo
Today · 4.125%
HK$95,323
baseline
▲ 0.50% · 4.625%
HK$100,347
+HK$5,024/mo
Deposit HK$11.88M · loan HK$17.83M · min. income ≈ HK$190,646/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,262,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,841
−HK$5,947/mo
▼ 0.25% · 3.875%
HK$97,791
−HK$2,997/mo
Today · 4.125%
HK$100,788
baseline
▲ 0.50% · 4.625%
HK$106,921
+HK$6,133/mo
Deposit HK$8.91M · loan HK$20.80M · min. income ≈ HK$201,576/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,262,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,510
−HK$5,700/mo
▼ 0.25% · 3.875%
HK$108,339
−HK$2,871/mo
Today · 4.125%
HK$111,210
baseline
▲ 0.50% · 4.625%
HK$117,072
+HK$5,862/mo
Deposit HK$8.91M · loan HK$20.80M · min. income ≈ HK$222,420/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,262,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,938
−HK$7,647/mo
▼ 0.25% · 3.875%
HK$125,731
−HK$3,854/mo
Today · 4.125%
HK$129,585
baseline
▲ 0.50% · 4.625%
HK$137,470
+HK$7,885/mo
Deposit HK$2.97M · loan HK$26.74M · min. income ≈ HK$259,170/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,262,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,655
−HK$7,329/mo
▼ 0.25% · 3.875%
HK$139,294
−HK$3,690/mo
Today · 4.125%
HK$142,984
baseline
▲ 0.50% · 4.625%
HK$150,521
+HK$7,537/mo
Deposit HK$2.97M · loan HK$26.74M · min. income ≈ HK$285,968/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,262,623 · Scale 2, in force from 26 Feb 2026)