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$67,729
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$69,836
−HK$2,141/mo
Today · 4.125%
HK$71,977
baseline
▲ 0.50% · 4.625%
HK$76,356
+HK$4,379/mo
Deposit HK$14.85M · loan HK$14.85M · min. income ≈ HK$143,954/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,262,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,348
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$77,369
−HK$2,050/mo
Today · 4.125%
HK$79,419
baseline
▲ 0.50% · 4.625%
HK$83,605
+HK$4,186/mo
Deposit HK$14.85M · loan HK$14.85M · min. income ≈ HK$158,838/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,262,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,275
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$83,803
−HK$2,569/mo
Today · 4.125%
HK$86,372
baseline
▲ 0.50% · 4.625%
HK$91,627
+HK$5,255/mo
Deposit HK$11.88M · loan HK$17.82M · min. income ≈ HK$172,744/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,262,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,418
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$92,843
−HK$2,460/mo
Today · 4.125%
HK$95,303
baseline
▲ 0.50% · 4.625%
HK$100,326
+HK$5,023/mo
Deposit HK$11.88M · loan HK$17.82M · min. income ≈ HK$190,606/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,262,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,821
−HK$5,946/mo
▼ 0.25% · 3.875%
HK$97,771
−HK$2,996/mo
Today · 4.125%
HK$100,767
baseline
▲ 0.50% · 4.625%
HK$106,899
+HK$6,132/mo
Deposit HK$8.91M · loan HK$20.79M · min. income ≈ HK$201,534/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$1,262,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,488
−HK$5,699/mo
▼ 0.25% · 3.875%
HK$108,317
−HK$2,870/mo
Today · 4.125%
HK$111,187
baseline
▲ 0.50% · 4.625%
HK$117,048
+HK$5,861/mo
Deposit HK$8.91M · loan HK$20.79M · min. income ≈ HK$222,374/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$1,262,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,913
−HK$7,645/mo
▼ 0.25% · 3.875%
HK$125,705
−HK$3,853/mo
Today · 4.125%
HK$129,558
baseline
▲ 0.50% · 4.625%
HK$137,441
+HK$7,883/mo
Deposit HK$2.97M · loan HK$26.73M · min. income ≈ HK$259,116/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,262,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,627
−HK$7,327/mo
▼ 0.25% · 3.875%
HK$139,264
−HK$3,690/mo
Today · 4.125%
HK$142,954
baseline
▲ 0.50% · 4.625%
HK$150,490
+HK$7,536/mo
Deposit HK$2.97M · loan HK$26.73M · min. income ≈ HK$285,908/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,262,358 · Scale 2, in force from 26 Feb 2026)