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$67,942
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$70,056
−HK$2,147/mo
Today · 4.125%
HK$72,203
baseline
▲ 0.50% · 4.625%
HK$76,596
+HK$4,393/mo
Deposit HK$14.90M · loan HK$14.90M · min. income ≈ HK$144,406/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,266,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,585
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$77,612
−HK$2,057/mo
Today · 4.125%
HK$79,669
baseline
▲ 0.50% · 4.625%
HK$83,868
+HK$4,199/mo
Deposit HK$14.90M · loan HK$14.90M · min. income ≈ HK$159,338/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,266,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,531
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$84,067
−HK$2,576/mo
Today · 4.125%
HK$86,643
baseline
▲ 0.50% · 4.625%
HK$91,915
+HK$5,272/mo
Deposit HK$11.92M · loan HK$17.88M · min. income ≈ HK$173,286/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,266,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,702
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$93,135
−HK$2,467/mo
Today · 4.125%
HK$95,602
baseline
▲ 0.50% · 4.625%
HK$100,642
+HK$5,040/mo
Deposit HK$11.92M · loan HK$17.88M · min. income ≈ HK$191,204/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,266,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,119
−HK$5,965/mo
▼ 0.25% · 3.875%
HK$98,078
−HK$3,006/mo
Today · 4.125%
HK$101,084
baseline
▲ 0.50% · 4.625%
HK$107,235
+HK$6,151/mo
Deposit HK$8.94M · loan HK$20.86M · min. income ≈ HK$202,168/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$1,266,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,819
−HK$5,717/mo
▼ 0.25% · 3.875%
HK$108,657
−HK$2,879/mo
Today · 4.125%
HK$111,536
baseline
▲ 0.50% · 4.625%
HK$117,415
+HK$5,879/mo
Deposit HK$8.94M · loan HK$20.86M · min. income ≈ HK$223,072/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$1,266,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,296
−HK$7,669/mo
▼ 0.25% · 3.875%
HK$126,100
−HK$3,865/mo
Today · 4.125%
HK$129,965
baseline
▲ 0.50% · 4.625%
HK$137,873
+HK$7,908/mo
Deposit HK$2.98M · loan HK$26.82M · min. income ≈ HK$259,930/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,266,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,053
−HK$7,351/mo
▼ 0.25% · 3.875%
HK$139,702
−HK$3,702/mo
Today · 4.125%
HK$143,404
baseline
▲ 0.50% · 4.625%
HK$150,963
+HK$7,559/mo
Deposit HK$2.98M · loan HK$26.82M · min. income ≈ HK$286,808/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,266,324 · Scale 2, in force from 26 Feb 2026)