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$67,921
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$70,034
−HK$2,146/mo
Today · 4.125%
HK$72,180
baseline
▲ 0.50% · 4.625%
HK$76,572
+HK$4,392/mo
Deposit HK$14.89M · loan HK$14.89M · min. income ≈ HK$144,360/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,265,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,561
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$77,588
−HK$2,056/mo
Today · 4.125%
HK$79,644
baseline
▲ 0.50% · 4.625%
HK$83,842
+HK$4,198/mo
Deposit HK$14.89M · loan HK$14.89M · min. income ≈ HK$159,288/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,265,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,505
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$84,040
−HK$2,576/mo
Today · 4.125%
HK$86,616
baseline
▲ 0.50% · 4.625%
HK$91,887
+HK$5,271/mo
Deposit HK$11.91M · loan HK$17.87M · min. income ≈ HK$173,232/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,265,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,674
−HK$4,898/mo
▼ 0.25% · 3.875%
HK$93,105
−HK$2,467/mo
Today · 4.125%
HK$95,572
baseline
▲ 0.50% · 4.625%
HK$100,610
+HK$5,038/mo
Deposit HK$11.91M · loan HK$17.87M · min. income ≈ HK$191,144/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,265,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,089
−HK$5,963/mo
▼ 0.25% · 3.875%
HK$98,047
−HK$3,005/mo
Today · 4.125%
HK$101,052
baseline
▲ 0.50% · 4.625%
HK$107,201
+HK$6,149/mo
Deposit HK$8.94M · loan HK$20.85M · min. income ≈ HK$202,104/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,265,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,786
−HK$5,715/mo
▼ 0.25% · 3.875%
HK$108,623
−HK$2,878/mo
Today · 4.125%
HK$111,501
baseline
▲ 0.50% · 4.625%
HK$117,378
+HK$5,877/mo
Deposit HK$8.94M · loan HK$20.85M · min. income ≈ HK$223,002/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,265,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,258
−HK$7,666/mo
▼ 0.25% · 3.875%
HK$126,061
−HK$3,863/mo
Today · 4.125%
HK$129,924
baseline
▲ 0.50% · 4.625%
HK$137,830
+HK$7,906/mo
Deposit HK$2.98M · loan HK$26.81M · min. income ≈ HK$259,848/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,265,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,010
−HK$7,349/mo
▼ 0.25% · 3.875%
HK$139,658
−HK$3,701/mo
Today · 4.125%
HK$143,359
baseline
▲ 0.50% · 4.625%
HK$150,915
+HK$7,556/mo
Deposit HK$2.98M · loan HK$26.81M · min. income ≈ HK$286,718/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,265,927 · Scale 2, in force from 26 Feb 2026)