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$67,713
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$69,819
−HK$2,140/mo
Today · 4.125%
HK$71,959
baseline
▲ 0.50% · 4.625%
HK$76,338
+HK$4,379/mo
Deposit HK$14.85M · loan HK$14.85M · min. income ≈ HK$143,918/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,262,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,330
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$77,350
−HK$2,050/mo
Today · 4.125%
HK$79,400
baseline
▲ 0.50% · 4.625%
HK$83,585
+HK$4,185/mo
Deposit HK$14.85M · loan HK$14.85M · min. income ≈ HK$158,800/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,262,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,256
−HK$5,095/mo
▼ 0.25% · 3.875%
HK$83,783
−HK$2,568/mo
Today · 4.125%
HK$86,351
baseline
▲ 0.50% · 4.625%
HK$91,605
+HK$5,254/mo
Deposit HK$11.88M · loan HK$17.82M · min. income ≈ HK$172,702/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,262,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,396
−HK$4,884/mo
▼ 0.25% · 3.875%
HK$92,820
−HK$2,460/mo
Today · 4.125%
HK$95,280
baseline
▲ 0.50% · 4.625%
HK$100,302
+HK$5,022/mo
Deposit HK$11.88M · loan HK$17.82M · min. income ≈ HK$190,560/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,262,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,798
−HK$5,945/mo
▼ 0.25% · 3.875%
HK$97,747
−HK$2,996/mo
Today · 4.125%
HK$100,743
baseline
▲ 0.50% · 4.625%
HK$106,873
+HK$6,130/mo
Deposit HK$8.91M · loan HK$20.79M · min. income ≈ HK$201,486/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$1,262,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,462
−HK$5,698/mo
▼ 0.25% · 3.875%
HK$108,290
−HK$2,870/mo
Today · 4.125%
HK$111,160
baseline
▲ 0.50% · 4.625%
HK$117,019
+HK$5,859/mo
Deposit HK$8.91M · loan HK$20.79M · min. income ≈ HK$222,320/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$1,262,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,883
−HK$7,643/mo
▼ 0.25% · 3.875%
HK$125,675
−HK$3,851/mo
Today · 4.125%
HK$129,526
baseline
▲ 0.50% · 4.625%
HK$137,408
+HK$7,882/mo
Deposit HK$2.97M · loan HK$26.73M · min. income ≈ HK$259,052/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,262,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,594
−HK$7,326/mo
▼ 0.25% · 3.875%
HK$139,230
−HK$3,690/mo
Today · 4.125%
HK$142,920
baseline
▲ 0.50% · 4.625%
HK$150,453
+HK$7,533/mo
Deposit HK$2.97M · loan HK$26.73M · min. income ≈ HK$285,840/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,262,051 · Scale 2, in force from 26 Feb 2026)