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$67,678
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$69,783
−HK$2,139/mo
Today · 4.125%
HK$71,922
baseline
▲ 0.50% · 4.625%
HK$76,298
+HK$4,376/mo
Deposit HK$14.84M · loan HK$14.84M · min. income ≈ HK$143,844/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,261,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,291
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$77,310
−HK$2,048/mo
Today · 4.125%
HK$79,358
baseline
▲ 0.50% · 4.625%
HK$83,541
+HK$4,183/mo
Deposit HK$14.84M · loan HK$14.84M · min. income ≈ HK$158,716/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,261,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,213
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$83,739
−HK$2,567/mo
Today · 4.125%
HK$86,306
baseline
▲ 0.50% · 4.625%
HK$91,557
+HK$5,251/mo
Deposit HK$11.87M · loan HK$17.81M · min. income ≈ HK$172,612/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,261,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,349
−HK$4,881/mo
▼ 0.25% · 3.875%
HK$92,772
−HK$2,458/mo
Today · 4.125%
HK$95,230
baseline
▲ 0.50% · 4.625%
HK$100,250
+HK$5,020/mo
Deposit HK$11.87M · loan HK$17.81M · min. income ≈ HK$190,460/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,261,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,749
−HK$5,941/mo
▼ 0.25% · 3.875%
HK$97,696
−HK$2,994/mo
Today · 4.125%
HK$100,690
baseline
▲ 0.50% · 4.625%
HK$106,817
+HK$6,127/mo
Deposit HK$8.90M · loan HK$20.78M · min. income ≈ HK$201,380/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$1,261,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,407
−HK$5,695/mo
▼ 0.25% · 3.875%
HK$108,234
−HK$2,868/mo
Today · 4.125%
HK$111,102
baseline
▲ 0.50% · 4.625%
HK$116,958
+HK$5,856/mo
Deposit HK$8.90M · loan HK$20.78M · min. income ≈ HK$222,204/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$1,261,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,820
−HK$7,639/mo
▼ 0.25% · 3.875%
HK$125,609
−HK$3,850/mo
Today · 4.125%
HK$129,459
baseline
▲ 0.50% · 4.625%
HK$137,336
+HK$7,877/mo
Deposit HK$2.97M · loan HK$26.71M · min. income ≈ HK$258,918/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,261,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,523
−HK$7,322/mo
▼ 0.25% · 3.875%
HK$139,158
−HK$3,687/mo
Today · 4.125%
HK$142,845
baseline
▲ 0.50% · 4.625%
HK$150,375
+HK$7,530/mo
Deposit HK$2.97M · loan HK$26.71M · min. income ≈ HK$285,690/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,261,392 · Scale 2, in force from 26 Feb 2026)