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$67,500
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$69,600
−HK$2,133/mo
Today · 4.125%
HK$71,733
baseline
▲ 0.50% · 4.625%
HK$76,098
+HK$4,365/mo
Deposit HK$14.80M · loan HK$14.80M · min. income ≈ HK$143,466/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,258,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,093
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$77,107
−HK$2,043/mo
Today · 4.125%
HK$79,150
baseline
▲ 0.50% · 4.625%
HK$83,323
+HK$4,173/mo
Deposit HK$14.80M · loan HK$14.80M · min. income ≈ HK$158,300/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,258,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,000
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$83,520
−HK$2,560/mo
Today · 4.125%
HK$86,080
baseline
▲ 0.50% · 4.625%
HK$91,318
+HK$5,238/mo
Deposit HK$11.84M · loan HK$17.76M · min. income ≈ HK$172,160/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,258,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,112
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$92,529
−HK$2,452/mo
Today · 4.125%
HK$94,981
baseline
▲ 0.50% · 4.625%
HK$99,987
+HK$5,006/mo
Deposit HK$11.84M · loan HK$17.76M · min. income ≈ HK$189,962/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,258,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,500
−HK$5,926/mo
▼ 0.25% · 3.875%
HK$97,440
−HK$2,986/mo
Today · 4.125%
HK$100,426
baseline
▲ 0.50% · 4.625%
HK$106,537
+HK$6,111/mo
Deposit HK$8.88M · loan HK$20.72M · min. income ≈ HK$200,852/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,131
−HK$5,680/mo
▼ 0.25% · 3.875%
HK$107,950
−HK$2,861/mo
Today · 4.125%
HK$110,811
baseline
▲ 0.50% · 4.625%
HK$116,652
+HK$5,841/mo
Deposit HK$8.88M · loan HK$20.72M · min. income ≈ HK$221,622/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,500
−HK$7,620/mo
▼ 0.25% · 3.875%
HK$125,280
−HK$3,840/mo
Today · 4.125%
HK$129,120
baseline
▲ 0.50% · 4.625%
HK$136,976
+HK$7,856/mo
Deposit HK$2.96M · loan HK$26.64M · min. income ≈ HK$258,240/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,168
−HK$7,303/mo
▼ 0.25% · 3.875%
HK$138,793
−HK$3,678/mo
Today · 4.125%
HK$142,471
baseline
▲ 0.50% · 4.625%
HK$149,981
+HK$7,510/mo
Deposit HK$2.96M · loan HK$26.64M · min. income ≈ HK$284,942/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,088 · Scale 2, in force from 26 Feb 2026)