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$67,736
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$69,843
−HK$2,141/mo
Today · 4.125%
HK$71,984
baseline
▲ 0.50% · 4.625%
HK$76,364
+HK$4,380/mo
Deposit HK$14.85M · loan HK$14.85M · min. income ≈ HK$143,968/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,262,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,356
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$77,377
−HK$2,050/mo
Today · 4.125%
HK$79,427
baseline
▲ 0.50% · 4.625%
HK$83,614
+HK$4,187/mo
Deposit HK$14.85M · loan HK$14.85M · min. income ≈ HK$158,854/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,262,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,283
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$83,812
−HK$2,568/mo
Today · 4.125%
HK$86,380
baseline
▲ 0.50% · 4.625%
HK$91,636
+HK$5,256/mo
Deposit HK$11.88M · loan HK$17.82M · min. income ≈ HK$172,760/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,262,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,427
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$92,852
−HK$2,460/mo
Today · 4.125%
HK$95,312
baseline
▲ 0.50% · 4.625%
HK$100,336
+HK$5,024/mo
Deposit HK$11.88M · loan HK$17.82M · min. income ≈ HK$190,624/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,262,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,830
−HK$5,947/mo
▼ 0.25% · 3.875%
HK$97,780
−HK$2,997/mo
Today · 4.125%
HK$100,777
baseline
▲ 0.50% · 4.625%
HK$106,909
+HK$6,132/mo
Deposit HK$8.91M · loan HK$20.79M · min. income ≈ HK$201,554/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$1,262,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,498
−HK$5,700/mo
▼ 0.25% · 3.875%
HK$108,327
−HK$2,871/mo
Today · 4.125%
HK$111,198
baseline
▲ 0.50% · 4.625%
HK$117,059
+HK$5,861/mo
Deposit HK$8.91M · loan HK$20.79M · min. income ≈ HK$222,396/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$1,262,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,925
−HK$7,646/mo
▼ 0.25% · 3.875%
HK$125,717
−HK$3,854/mo
Today · 4.125%
HK$129,571
baseline
▲ 0.50% · 4.625%
HK$137,455
+HK$7,884/mo
Deposit HK$2.97M · loan HK$26.73M · min. income ≈ HK$259,142/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,262,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,640
−HK$7,328/mo
▼ 0.25% · 3.875%
HK$139,278
−HK$3,690/mo
Today · 4.125%
HK$142,968
baseline
▲ 0.50% · 4.625%
HK$150,504
+HK$7,536/mo
Deposit HK$2.97M · loan HK$26.73M · min. income ≈ HK$285,936/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,262,482 · Scale 2, in force from 26 Feb 2026)