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$67,506
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$69,606
−HK$2,133/mo
Today · 4.125%
HK$71,739
baseline
▲ 0.50% · 4.625%
HK$76,105
+HK$4,366/mo
Deposit HK$14.80M · loan HK$14.80M · min. income ≈ HK$143,478/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,258,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,100
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$77,114
−HK$2,043/mo
Today · 4.125%
HK$79,157
baseline
▲ 0.50% · 4.625%
HK$83,330
+HK$4,173/mo
Deposit HK$14.80M · loan HK$14.80M · min. income ≈ HK$158,314/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,258,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,007
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$83,527
−HK$2,560/mo
Today · 4.125%
HK$86,087
baseline
▲ 0.50% · 4.625%
HK$91,325
+HK$5,238/mo
Deposit HK$11.84M · loan HK$17.76M · min. income ≈ HK$172,174/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,258,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,120
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$92,537
−HK$2,452/mo
Today · 4.125%
HK$94,989
baseline
▲ 0.50% · 4.625%
HK$99,996
+HK$5,007/mo
Deposit HK$11.84M · loan HK$17.76M · min. income ≈ HK$189,978/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,258,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,509
−HK$5,926/mo
▼ 0.25% · 3.875%
HK$97,448
−HK$2,987/mo
Today · 4.125%
HK$100,435
baseline
▲ 0.50% · 4.625%
HK$106,546
+HK$6,111/mo
Deposit HK$8.88M · loan HK$20.72M · min. income ≈ HK$200,870/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,140
−HK$5,680/mo
▼ 0.25% · 3.875%
HK$107,960
−HK$2,860/mo
Today · 4.125%
HK$110,820
baseline
▲ 0.50% · 4.625%
HK$116,662
+HK$5,842/mo
Deposit HK$8.88M · loan HK$20.72M · min. income ≈ HK$221,640/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,511
−HK$7,620/mo
▼ 0.25% · 3.875%
HK$125,291
−HK$3,840/mo
Today · 4.125%
HK$129,131
baseline
▲ 0.50% · 4.625%
HK$136,988
+HK$7,857/mo
Deposit HK$2.96M · loan HK$26.64M · min. income ≈ HK$258,262/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,180
−HK$7,303/mo
▼ 0.25% · 3.875%
HK$138,805
−HK$3,678/mo
Today · 4.125%
HK$142,483
baseline
▲ 0.50% · 4.625%
HK$149,994
+HK$7,511/mo
Deposit HK$2.96M · loan HK$26.64M · min. income ≈ HK$284,966/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,197 · Scale 2, in force from 26 Feb 2026)