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$67,764
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$69,872
−HK$2,142/mo
Today · 4.125%
HK$72,014
baseline
▲ 0.50% · 4.625%
HK$76,396
+HK$4,382/mo
Deposit HK$14.86M · loan HK$14.86M · min. income ≈ HK$144,028/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,263,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,387
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$77,409
−HK$2,051/mo
Today · 4.125%
HK$79,460
baseline
▲ 0.50% · 4.625%
HK$83,649
+HK$4,189/mo
Deposit HK$14.86M · loan HK$14.86M · min. income ≈ HK$158,920/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,263,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,317
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$83,847
−HK$2,569/mo
Today · 4.125%
HK$86,416
baseline
▲ 0.50% · 4.625%
HK$91,675
+HK$5,259/mo
Deposit HK$11.89M · loan HK$17.83M · min. income ≈ HK$172,832/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,263,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,465
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$92,891
−HK$2,461/mo
Today · 4.125%
HK$95,352
baseline
▲ 0.50% · 4.625%
HK$100,378
+HK$5,026/mo
Deposit HK$11.89M · loan HK$17.83M · min. income ≈ HK$190,704/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,263,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,870
−HK$5,949/mo
▼ 0.25% · 3.875%
HK$97,821
−HK$2,998/mo
Today · 4.125%
HK$100,819
baseline
▲ 0.50% · 4.625%
HK$106,954
+HK$6,135/mo
Deposit HK$8.92M · loan HK$20.80M · min. income ≈ HK$201,638/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,263,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,542
−HK$5,702/mo
▼ 0.25% · 3.875%
HK$108,373
−HK$2,871/mo
Today · 4.125%
HK$111,244
baseline
▲ 0.50% · 4.625%
HK$117,108
+HK$5,864/mo
Deposit HK$8.92M · loan HK$20.80M · min. income ≈ HK$222,488/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,263,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,976
−HK$7,649/mo
▼ 0.25% · 3.875%
HK$125,770
−HK$3,855/mo
Today · 4.125%
HK$129,625
baseline
▲ 0.50% · 4.625%
HK$137,512
+HK$7,887/mo
Deposit HK$2.97M · loan HK$26.75M · min. income ≈ HK$259,250/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,263,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,697
−HK$7,331/mo
▼ 0.25% · 3.875%
HK$139,336
−HK$3,692/mo
Today · 4.125%
HK$143,028
baseline
▲ 0.50% · 4.625%
HK$150,567
+HK$7,539/mo
Deposit HK$2.97M · loan HK$26.75M · min. income ≈ HK$286,056/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,263,009 · Scale 2, in force from 26 Feb 2026)