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$67,506
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$69,606
−HK$2,134/mo
Today · 4.125%
HK$71,740
baseline
▲ 0.50% · 4.625%
HK$76,105
+HK$4,365/mo
Deposit HK$14.80M · loan HK$14.80M · min. income ≈ HK$143,480/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,258,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,100
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$77,114
−HK$2,044/mo
Today · 4.125%
HK$79,158
baseline
▲ 0.50% · 4.625%
HK$83,330
+HK$4,172/mo
Deposit HK$14.80M · loan HK$14.80M · min. income ≈ HK$158,316/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,258,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,008
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$83,528
−HK$2,560/mo
Today · 4.125%
HK$86,088
baseline
▲ 0.50% · 4.625%
HK$91,326
+HK$5,238/mo
Deposit HK$11.84M · loan HK$17.76M · min. income ≈ HK$172,176/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,258,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,120
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$92,537
−HK$2,452/mo
Today · 4.125%
HK$94,989
baseline
▲ 0.50% · 4.625%
HK$99,996
+HK$5,007/mo
Deposit HK$11.84M · loan HK$17.76M · min. income ≈ HK$189,978/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,258,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,509
−HK$5,927/mo
▼ 0.25% · 3.875%
HK$97,449
−HK$2,987/mo
Today · 4.125%
HK$100,436
baseline
▲ 0.50% · 4.625%
HK$106,547
+HK$6,111/mo
Deposit HK$8.88M · loan HK$20.72M · min. income ≈ HK$200,872/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,140
−HK$5,681/mo
▼ 0.25% · 3.875%
HK$107,960
−HK$2,861/mo
Today · 4.125%
HK$110,821
baseline
▲ 0.50% · 4.625%
HK$116,662
+HK$5,841/mo
Deposit HK$8.88M · loan HK$20.72M · min. income ≈ HK$221,642/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,512
−HK$7,619/mo
▼ 0.25% · 3.875%
HK$125,291
−HK$3,840/mo
Today · 4.125%
HK$129,131
baseline
▲ 0.50% · 4.625%
HK$136,989
+HK$7,858/mo
Deposit HK$2.96M · loan HK$26.64M · min. income ≈ HK$258,262/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,180
−HK$7,304/mo
▼ 0.25% · 3.875%
HK$138,806
−HK$3,678/mo
Today · 4.125%
HK$142,484
baseline
▲ 0.50% · 4.625%
HK$149,994
+HK$7,510/mo
Deposit HK$2.96M · loan HK$26.64M · min. income ≈ HK$284,968/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,202 · Scale 2, in force from 26 Feb 2026)