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$67,486
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$69,585
−HK$2,132/mo
Today · 4.125%
HK$71,717
baseline
▲ 0.50% · 4.625%
HK$76,081
+HK$4,364/mo
Deposit HK$14.80M · loan HK$14.80M · min. income ≈ HK$143,434/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,257,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,077
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$77,091
−HK$2,042/mo
Today · 4.125%
HK$79,133
baseline
▲ 0.50% · 4.625%
HK$83,304
+HK$4,171/mo
Deposit HK$14.80M · loan HK$14.80M · min. income ≈ HK$158,266/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,257,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,983
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$83,502
−HK$2,559/mo
Today · 4.125%
HK$86,061
baseline
▲ 0.50% · 4.625%
HK$91,298
+HK$5,237/mo
Deposit HK$11.84M · loan HK$17.76M · min. income ≈ HK$172,122/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,257,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,092
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$92,509
−HK$2,451/mo
Today · 4.125%
HK$94,960
baseline
▲ 0.50% · 4.625%
HK$99,965
+HK$5,005/mo
Deposit HK$11.84M · loan HK$17.76M · min. income ≈ HK$189,920/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,257,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,480
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$97,419
−HK$2,985/mo
Today · 4.125%
HK$100,404
baseline
▲ 0.50% · 4.625%
HK$106,514
+HK$6,110/mo
Deposit HK$8.88M · loan HK$20.72M · min. income ≈ HK$200,808/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,257,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,108
−HK$5,678/mo
▼ 0.25% · 3.875%
HK$107,927
−HK$2,859/mo
Today · 4.125%
HK$110,786
baseline
▲ 0.50% · 4.625%
HK$116,626
+HK$5,840/mo
Deposit HK$8.88M · loan HK$20.72M · min. income ≈ HK$221,572/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,257,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,474
−HK$7,617/mo
▼ 0.25% · 3.875%
HK$125,253
−HK$3,838/mo
Today · 4.125%
HK$129,091
baseline
▲ 0.50% · 4.625%
HK$136,946
+HK$7,855/mo
Deposit HK$2.96M · loan HK$26.64M · min. income ≈ HK$258,182/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,257,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,139
−HK$7,301/mo
▼ 0.25% · 3.875%
HK$138,763
−HK$3,677/mo
Today · 4.125%
HK$142,440
baseline
▲ 0.50% · 4.625%
HK$149,948
+HK$7,508/mo
Deposit HK$2.96M · loan HK$26.64M · min. income ≈ HK$284,880/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,257,813 · Scale 2, in force from 26 Feb 2026)