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$67,566
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$69,668
−HK$2,135/mo
Today · 4.125%
HK$71,803
baseline
▲ 0.50% · 4.625%
HK$76,173
+HK$4,370/mo
Deposit HK$14.82M · loan HK$14.82M · min. income ≈ HK$143,606/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,259,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,167
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$77,183
−HK$2,045/mo
Today · 4.125%
HK$79,228
baseline
▲ 0.50% · 4.625%
HK$83,404
+HK$4,176/mo
Deposit HK$14.82M · loan HK$14.82M · min. income ≈ HK$158,456/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,259,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,080
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$83,602
−HK$2,562/mo
Today · 4.125%
HK$86,164
baseline
▲ 0.50% · 4.625%
HK$91,407
+HK$5,243/mo
Deposit HK$11.85M · loan HK$17.78M · min. income ≈ HK$172,328/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,259,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,200
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$92,620
−HK$2,454/mo
Today · 4.125%
HK$95,074
baseline
▲ 0.50% · 4.625%
HK$100,085
+HK$5,011/mo
Deposit HK$11.85M · loan HK$17.78M · min. income ≈ HK$190,148/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,259,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,593
−HK$5,932/mo
▼ 0.25% · 3.875%
HK$97,535
−HK$2,990/mo
Today · 4.125%
HK$100,525
baseline
▲ 0.50% · 4.625%
HK$106,642
+HK$6,117/mo
Deposit HK$8.89M · loan HK$20.74M · min. income ≈ HK$201,050/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,259,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,234
−HK$5,685/mo
▼ 0.25% · 3.875%
HK$108,056
−HK$2,863/mo
Today · 4.125%
HK$110,919
baseline
▲ 0.50% · 4.625%
HK$116,766
+HK$5,847/mo
Deposit HK$8.89M · loan HK$20.74M · min. income ≈ HK$221,838/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,259,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,620
−HK$7,626/mo
▼ 0.25% · 3.875%
HK$125,403
−HK$3,843/mo
Today · 4.125%
HK$129,246
baseline
▲ 0.50% · 4.625%
HK$137,111
+HK$7,865/mo
Deposit HK$2.96M · loan HK$26.67M · min. income ≈ HK$258,492/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,259,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,301
−HK$7,310/mo
▼ 0.25% · 3.875%
HK$138,929
−HK$3,682/mo
Today · 4.125%
HK$142,611
baseline
▲ 0.50% · 4.625%
HK$150,128
+HK$7,517/mo
Deposit HK$2.96M · loan HK$26.67M · min. income ≈ HK$285,222/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,259,322 · Scale 2, in force from 26 Feb 2026)