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$67,585
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$69,687
−HK$2,136/mo
Today · 4.125%
HK$71,823
baseline
▲ 0.50% · 4.625%
HK$76,193
+HK$4,370/mo
Deposit HK$14.82M · loan HK$14.82M · min. income ≈ HK$143,646/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,259,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,187
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$77,204
−HK$2,046/mo
Today · 4.125%
HK$79,250
baseline
▲ 0.50% · 4.625%
HK$83,427
+HK$4,177/mo
Deposit HK$14.82M · loan HK$14.82M · min. income ≈ HK$158,500/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,259,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,102
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$83,624
−HK$2,564/mo
Today · 4.125%
HK$86,188
baseline
▲ 0.50% · 4.625%
HK$91,432
+HK$5,244/mo
Deposit HK$11.86M · loan HK$17.78M · min. income ≈ HK$172,376/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,259,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,225
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$92,645
−HK$2,454/mo
Today · 4.125%
HK$95,099
baseline
▲ 0.50% · 4.625%
HK$100,112
+HK$5,013/mo
Deposit HK$11.86M · loan HK$17.78M · min. income ≈ HK$190,198/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,259,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,619
−HK$5,933/mo
▼ 0.25% · 3.875%
HK$97,562
−HK$2,990/mo
Today · 4.125%
HK$100,552
baseline
▲ 0.50% · 4.625%
HK$106,670
+HK$6,118/mo
Deposit HK$8.89M · loan HK$20.75M · min. income ≈ HK$201,104/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,259,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,262
−HK$5,687/mo
▼ 0.25% · 3.875%
HK$108,085
−HK$2,864/mo
Today · 4.125%
HK$110,949
baseline
▲ 0.50% · 4.625%
HK$116,798
+HK$5,849/mo
Deposit HK$8.89M · loan HK$20.75M · min. income ≈ HK$221,898/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,259,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,653
−HK$7,628/mo
▼ 0.25% · 3.875%
HK$125,437
−HK$3,844/mo
Today · 4.125%
HK$129,281
baseline
▲ 0.50% · 4.625%
HK$137,148
+HK$7,867/mo
Deposit HK$2.96M · loan HK$26.68M · min. income ≈ HK$258,562/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,259,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,337
−HK$7,312/mo
▼ 0.25% · 3.875%
HK$138,967
−HK$3,682/mo
Today · 4.125%
HK$142,649
baseline
▲ 0.50% · 4.625%
HK$150,168
+HK$7,519/mo
Deposit HK$2.96M · loan HK$26.68M · min. income ≈ HK$285,298/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,259,663 · Scale 2, in force from 26 Feb 2026)