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$67,511
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$69,611
−HK$2,134/mo
Today · 4.125%
HK$71,745
baseline
▲ 0.50% · 4.625%
HK$76,110
+HK$4,365/mo
Deposit HK$14.80M · loan HK$14.80M · min. income ≈ HK$143,490/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,258,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,106
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$77,120
−HK$2,043/mo
Today · 4.125%
HK$79,163
baseline
▲ 0.50% · 4.625%
HK$83,336
+HK$4,173/mo
Deposit HK$14.80M · loan HK$14.80M · min. income ≈ HK$158,326/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,258,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,014
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$83,534
−HK$2,560/mo
Today · 4.125%
HK$86,094
baseline
▲ 0.50% · 4.625%
HK$91,332
+HK$5,238/mo
Deposit HK$11.84M · loan HK$17.76M · min. income ≈ HK$172,188/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,258,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,127
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$92,544
−HK$2,452/mo
Today · 4.125%
HK$94,996
baseline
▲ 0.50% · 4.625%
HK$100,003
+HK$5,007/mo
Deposit HK$11.84M · loan HK$17.76M · min. income ≈ HK$189,992/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,258,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,516
−HK$5,927/mo
▼ 0.25% · 3.875%
HK$97,456
−HK$2,987/mo
Today · 4.125%
HK$100,443
baseline
▲ 0.50% · 4.625%
HK$106,555
+HK$6,112/mo
Deposit HK$8.88M · loan HK$20.72M · min. income ≈ HK$200,886/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,148
−HK$5,681/mo
▼ 0.25% · 3.875%
HK$107,968
−HK$2,861/mo
Today · 4.125%
HK$110,829
baseline
▲ 0.50% · 4.625%
HK$116,671
+HK$5,842/mo
Deposit HK$8.88M · loan HK$20.72M · min. income ≈ HK$221,658/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,520
−HK$7,621/mo
▼ 0.25% · 3.875%
HK$125,300
−HK$3,841/mo
Today · 4.125%
HK$129,141
baseline
▲ 0.50% · 4.625%
HK$136,999
+HK$7,858/mo
Deposit HK$2.96M · loan HK$26.65M · min. income ≈ HK$258,282/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,190
−HK$7,304/mo
▼ 0.25% · 3.875%
HK$138,816
−HK$3,678/mo
Today · 4.125%
HK$142,494
baseline
▲ 0.50% · 4.625%
HK$150,005
+HK$7,511/mo
Deposit HK$2.96M · loan HK$26.65M · min. income ≈ HK$284,988/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,293 · Scale 2, in force from 26 Feb 2026)