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$67,937
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$70,050
−HK$2,147/mo
Today · 4.125%
HK$72,197
baseline
▲ 0.50% · 4.625%
HK$76,590
+HK$4,393/mo
Deposit HK$14.90M · loan HK$14.90M · min. income ≈ HK$144,394/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,266,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,579
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$77,606
−HK$2,056/mo
Today · 4.125%
HK$79,662
baseline
▲ 0.50% · 4.625%
HK$83,862
+HK$4,200/mo
Deposit HK$14.90M · loan HK$14.90M · min. income ≈ HK$159,324/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,266,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,524
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$84,060
−HK$2,577/mo
Today · 4.125%
HK$86,637
baseline
▲ 0.50% · 4.625%
HK$91,908
+HK$5,271/mo
Deposit HK$11.92M · loan HK$17.88M · min. income ≈ HK$173,274/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,266,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,695
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$93,127
−HK$2,468/mo
Today · 4.125%
HK$95,595
baseline
▲ 0.50% · 4.625%
HK$100,634
+HK$5,039/mo
Deposit HK$11.92M · loan HK$17.88M · min. income ≈ HK$191,190/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,266,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,112
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$98,070
−HK$3,006/mo
Today · 4.125%
HK$101,076
baseline
▲ 0.50% · 4.625%
HK$107,226
+HK$6,150/mo
Deposit HK$8.94M · loan HK$20.86M · min. income ≈ HK$202,152/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,266,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,811
−HK$5,716/mo
▼ 0.25% · 3.875%
HK$108,649
−HK$2,878/mo
Today · 4.125%
HK$111,527
baseline
▲ 0.50% · 4.625%
HK$117,406
+HK$5,879/mo
Deposit HK$8.94M · loan HK$20.86M · min. income ≈ HK$223,054/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,266,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,286
−HK$7,669/mo
▼ 0.25% · 3.875%
HK$126,090
−HK$3,865/mo
Today · 4.125%
HK$129,955
baseline
▲ 0.50% · 4.625%
HK$137,862
+HK$7,907/mo
Deposit HK$2.98M · loan HK$26.81M · min. income ≈ HK$259,910/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,266,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,042
−HK$7,350/mo
▼ 0.25% · 3.875%
HK$139,691
−HK$3,701/mo
Today · 4.125%
HK$143,392
baseline
▲ 0.50% · 4.625%
HK$150,951
+HK$7,559/mo
Deposit HK$2.98M · loan HK$26.81M · min. income ≈ HK$286,784/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,266,226 · Scale 2, in force from 26 Feb 2026)