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$67,923
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$70,036
−HK$2,146/mo
Today · 4.125%
HK$72,182
baseline
▲ 0.50% · 4.625%
HK$76,574
+HK$4,392/mo
Deposit HK$14.89M · loan HK$14.89M · min. income ≈ HK$144,364/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,265,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,564
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$77,590
−HK$2,056/mo
Today · 4.125%
HK$79,646
baseline
▲ 0.50% · 4.625%
HK$83,844
+HK$4,198/mo
Deposit HK$14.89M · loan HK$14.89M · min. income ≈ HK$159,292/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,265,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,507
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$84,043
−HK$2,576/mo
Today · 4.125%
HK$86,619
baseline
▲ 0.50% · 4.625%
HK$91,889
+HK$5,270/mo
Deposit HK$11.91M · loan HK$17.87M · min. income ≈ HK$173,238/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,265,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,676
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$93,108
−HK$2,467/mo
Today · 4.125%
HK$95,575
baseline
▲ 0.50% · 4.625%
HK$100,613
+HK$5,038/mo
Deposit HK$11.91M · loan HK$17.87M · min. income ≈ HK$191,150/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,265,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,092
−HK$5,963/mo
▼ 0.25% · 3.875%
HK$98,050
−HK$3,005/mo
Today · 4.125%
HK$101,055
baseline
▲ 0.50% · 4.625%
HK$107,204
+HK$6,149/mo
Deposit HK$8.94M · loan HK$20.85M · min. income ≈ HK$202,110/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,265,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,789
−HK$5,715/mo
▼ 0.25% · 3.875%
HK$108,626
−HK$2,878/mo
Today · 4.125%
HK$111,504
baseline
▲ 0.50% · 4.625%
HK$117,382
+HK$5,878/mo
Deposit HK$8.94M · loan HK$20.85M · min. income ≈ HK$223,008/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,265,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,261
−HK$7,667/mo
▼ 0.25% · 3.875%
HK$126,064
−HK$3,864/mo
Today · 4.125%
HK$129,928
baseline
▲ 0.50% · 4.625%
HK$137,834
+HK$7,906/mo
Deposit HK$2.98M · loan HK$26.81M · min. income ≈ HK$259,856/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,265,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,014
−HK$7,349/mo
▼ 0.25% · 3.875%
HK$139,662
−HK$3,701/mo
Today · 4.125%
HK$143,363
baseline
▲ 0.50% · 4.625%
HK$150,920
+HK$7,557/mo
Deposit HK$2.98M · loan HK$26.81M · min. income ≈ HK$286,726/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,265,965 · Scale 2, in force from 26 Feb 2026)