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$67,721
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$69,828
−HK$2,140/mo
Today · 4.125%
HK$71,968
baseline
▲ 0.50% · 4.625%
HK$76,347
+HK$4,379/mo
Deposit HK$14.85M · loan HK$14.85M · min. income ≈ HK$143,936/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,262,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,339
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$77,360
−HK$2,049/mo
Today · 4.125%
HK$79,409
baseline
▲ 0.50% · 4.625%
HK$83,595
+HK$4,186/mo
Deposit HK$14.85M · loan HK$14.85M · min. income ≈ HK$158,818/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,262,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,265
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$83,793
−HK$2,568/mo
Today · 4.125%
HK$86,361
baseline
▲ 0.50% · 4.625%
HK$91,616
+HK$5,255/mo
Deposit HK$11.88M · loan HK$17.82M · min. income ≈ HK$172,722/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,262,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,407
−HK$4,884/mo
▼ 0.25% · 3.875%
HK$92,832
−HK$2,459/mo
Today · 4.125%
HK$95,291
baseline
▲ 0.50% · 4.625%
HK$100,314
+HK$5,023/mo
Deposit HK$11.88M · loan HK$17.82M · min. income ≈ HK$190,582/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,262,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,810
−HK$5,945/mo
▼ 0.25% · 3.875%
HK$97,759
−HK$2,996/mo
Today · 4.125%
HK$100,755
baseline
▲ 0.50% · 4.625%
HK$106,886
+HK$6,131/mo
Deposit HK$8.91M · loan HK$20.79M · min. income ≈ HK$201,510/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$1,262,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,475
−HK$5,698/mo
▼ 0.25% · 3.875%
HK$108,304
−HK$2,869/mo
Today · 4.125%
HK$111,173
baseline
▲ 0.50% · 4.625%
HK$117,033
+HK$5,860/mo
Deposit HK$8.91M · loan HK$20.79M · min. income ≈ HK$222,346/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$1,262,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,898
−HK$7,644/mo
▼ 0.25% · 3.875%
HK$125,690
−HK$3,852/mo
Today · 4.125%
HK$129,542
baseline
▲ 0.50% · 4.625%
HK$137,425
+HK$7,883/mo
Deposit HK$2.97M · loan HK$26.73M · min. income ≈ HK$259,084/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,262,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,610
−HK$7,327/mo
▼ 0.25% · 3.875%
HK$139,247
−HK$3,690/mo
Today · 4.125%
HK$142,937
baseline
▲ 0.50% · 4.625%
HK$150,472
+HK$7,535/mo
Deposit HK$2.97M · loan HK$26.73M · min. income ≈ HK$285,874/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,262,205 · Scale 2, in force from 26 Feb 2026)