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$67,743
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$69,850
−HK$2,141/mo
Today · 4.125%
HK$71,991
baseline
▲ 0.50% · 4.625%
HK$76,372
+HK$4,381/mo
Deposit HK$14.85M · loan HK$14.85M · min. income ≈ HK$143,982/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,262,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,363
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$77,385
−HK$2,050/mo
Today · 4.125%
HK$79,435
baseline
▲ 0.50% · 4.625%
HK$83,622
+HK$4,187/mo
Deposit HK$14.85M · loan HK$14.85M · min. income ≈ HK$158,870/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,262,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,292
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$83,820
−HK$2,569/mo
Today · 4.125%
HK$86,389
baseline
▲ 0.50% · 4.625%
HK$91,646
+HK$5,257/mo
Deposit HK$11.88M · loan HK$17.83M · min. income ≈ HK$172,778/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,262,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,436
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$92,862
−HK$2,460/mo
Today · 4.125%
HK$95,322
baseline
▲ 0.50% · 4.625%
HK$100,347
+HK$5,025/mo
Deposit HK$11.88M · loan HK$17.83M · min. income ≈ HK$190,644/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,262,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,840
−HK$5,947/mo
▼ 0.25% · 3.875%
HK$97,790
−HK$2,997/mo
Today · 4.125%
HK$100,787
baseline
▲ 0.50% · 4.625%
HK$106,920
+HK$6,133/mo
Deposit HK$8.91M · loan HK$20.80M · min. income ≈ HK$201,574/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,262,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,509
−HK$5,700/mo
▼ 0.25% · 3.875%
HK$108,338
−HK$2,871/mo
Today · 4.125%
HK$111,209
baseline
▲ 0.50% · 4.625%
HK$117,071
+HK$5,862/mo
Deposit HK$8.91M · loan HK$20.80M · min. income ≈ HK$222,418/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,262,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,937
−HK$7,647/mo
▼ 0.25% · 3.875%
HK$125,730
−HK$3,854/mo
Today · 4.125%
HK$129,584
baseline
▲ 0.50% · 4.625%
HK$137,469
+HK$7,885/mo
Deposit HK$2.97M · loan HK$26.74M · min. income ≈ HK$259,168/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,262,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,654
−HK$7,329/mo
▼ 0.25% · 3.875%
HK$139,292
−HK$3,691/mo
Today · 4.125%
HK$142,983
baseline
▲ 0.50% · 4.625%
HK$150,520
+HK$7,537/mo
Deposit HK$2.97M · loan HK$26.74M · min. income ≈ HK$285,966/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,262,611 · Scale 2, in force from 26 Feb 2026)