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$67,514
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$69,614
−HK$2,134/mo
Today · 4.125%
HK$71,748
baseline
▲ 0.50% · 4.625%
HK$76,114
+HK$4,366/mo
Deposit HK$14.80M · loan HK$14.80M · min. income ≈ HK$143,496/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,258,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,109
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$77,123
−HK$2,044/mo
Today · 4.125%
HK$79,167
baseline
▲ 0.50% · 4.625%
HK$83,340
+HK$4,173/mo
Deposit HK$14.80M · loan HK$14.80M · min. income ≈ HK$158,334/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,258,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,017
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$83,537
−HK$2,561/mo
Today · 4.125%
HK$86,098
baseline
▲ 0.50% · 4.625%
HK$91,336
+HK$5,238/mo
Deposit HK$11.84M · loan HK$17.76M · min. income ≈ HK$172,196/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,258,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,131
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$92,548
−HK$2,452/mo
Today · 4.125%
HK$95,000
baseline
▲ 0.50% · 4.625%
HK$100,008
+HK$5,008/mo
Deposit HK$11.84M · loan HK$17.76M · min. income ≈ HK$190,000/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,258,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,520
−HK$5,927/mo
▼ 0.25% · 3.875%
HK$97,460
−HK$2,987/mo
Today · 4.125%
HK$100,447
baseline
▲ 0.50% · 4.625%
HK$106,559
+HK$6,112/mo
Deposit HK$8.88M · loan HK$20.73M · min. income ≈ HK$200,894/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,152
−HK$5,682/mo
▼ 0.25% · 3.875%
HK$107,973
−HK$2,861/mo
Today · 4.125%
HK$110,834
baseline
▲ 0.50% · 4.625%
HK$116,676
+HK$5,842/mo
Deposit HK$8.88M · loan HK$20.73M · min. income ≈ HK$221,668/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,526
−HK$7,620/mo
▼ 0.25% · 3.875%
HK$125,306
−HK$3,840/mo
Today · 4.125%
HK$129,146
baseline
▲ 0.50% · 4.625%
HK$137,005
+HK$7,859/mo
Deposit HK$2.96M · loan HK$26.65M · min. income ≈ HK$258,292/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,196
−HK$7,304/mo
▼ 0.25% · 3.875%
HK$138,822
−HK$3,678/mo
Today · 4.125%
HK$142,500
baseline
▲ 0.50% · 4.625%
HK$150,012
+HK$7,512/mo
Deposit HK$2.96M · loan HK$26.65M · min. income ≈ HK$285,000/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,348 · Scale 2, in force from 26 Feb 2026)