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$67,934
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$70,048
−HK$2,147/mo
Today · 4.125%
HK$72,195
baseline
▲ 0.50% · 4.625%
HK$76,587
+HK$4,392/mo
Deposit HK$14.90M · loan HK$14.90M · min. income ≈ HK$144,390/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,266,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,576
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$77,603
−HK$2,057/mo
Today · 4.125%
HK$79,660
baseline
▲ 0.50% · 4.625%
HK$83,858
+HK$4,198/mo
Deposit HK$14.90M · loan HK$14.90M · min. income ≈ HK$159,320/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,266,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,521
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$84,057
−HK$2,576/mo
Today · 4.125%
HK$86,633
baseline
▲ 0.50% · 4.625%
HK$91,905
+HK$5,272/mo
Deposit HK$11.92M · loan HK$17.88M · min. income ≈ HK$173,266/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,266,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,692
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$93,124
−HK$2,467/mo
Today · 4.125%
HK$95,591
baseline
▲ 0.50% · 4.625%
HK$100,630
+HK$5,039/mo
Deposit HK$11.92M · loan HK$17.88M · min. income ≈ HK$191,182/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,266,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,108
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$98,067
−HK$3,005/mo
Today · 4.125%
HK$101,072
baseline
▲ 0.50% · 4.625%
HK$107,222
+HK$6,150/mo
Deposit HK$8.94M · loan HK$20.85M · min. income ≈ HK$202,144/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,266,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,807
−HK$5,716/mo
▼ 0.25% · 3.875%
HK$108,645
−HK$2,878/mo
Today · 4.125%
HK$111,523
baseline
▲ 0.50% · 4.625%
HK$117,402
+HK$5,879/mo
Deposit HK$8.94M · loan HK$20.85M · min. income ≈ HK$223,046/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,266,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,282
−HK$7,668/mo
▼ 0.25% · 3.875%
HK$126,086
−HK$3,864/mo
Today · 4.125%
HK$129,950
baseline
▲ 0.50% · 4.625%
HK$137,857
+HK$7,907/mo
Deposit HK$2.98M · loan HK$26.81M · min. income ≈ HK$259,900/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,266,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,037
−HK$7,350/mo
▼ 0.25% · 3.875%
HK$139,686
−HK$3,701/mo
Today · 4.125%
HK$143,387
baseline
▲ 0.50% · 4.625%
HK$150,945
+HK$7,558/mo
Deposit HK$2.98M · loan HK$26.81M · min. income ≈ HK$286,774/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,266,180 · Scale 2, in force from 26 Feb 2026)