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$67,488
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$69,587
−HK$2,133/mo
Today · 4.125%
HK$71,720
baseline
▲ 0.50% · 4.625%
HK$76,084
+HK$4,364/mo
Deposit HK$14.80M · loan HK$14.80M · min. income ≈ HK$143,440/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,257,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,079
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$77,093
−HK$2,043/mo
Today · 4.125%
HK$79,136
baseline
▲ 0.50% · 4.625%
HK$83,307
+HK$4,171/mo
Deposit HK$14.80M · loan HK$14.80M · min. income ≈ HK$158,272/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,257,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,985
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$83,504
−HK$2,560/mo
Today · 4.125%
HK$86,064
baseline
▲ 0.50% · 4.625%
HK$91,300
+HK$5,236/mo
Deposit HK$11.84M · loan HK$17.76M · min. income ≈ HK$172,128/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,257,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,095
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$92,512
−HK$2,451/mo
Today · 4.125%
HK$94,963
baseline
▲ 0.50% · 4.625%
HK$99,968
+HK$5,005/mo
Deposit HK$11.84M · loan HK$17.76M · min. income ≈ HK$189,926/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,257,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,483
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$97,422
−HK$2,986/mo
Today · 4.125%
HK$100,408
baseline
▲ 0.50% · 4.625%
HK$106,517
+HK$6,109/mo
Deposit HK$8.88M · loan HK$20.72M · min. income ≈ HK$200,816/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,257,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,111
−HK$5,679/mo
▼ 0.25% · 3.875%
HK$107,930
−HK$2,860/mo
Today · 4.125%
HK$110,790
baseline
▲ 0.50% · 4.625%
HK$116,630
+HK$5,840/mo
Deposit HK$8.88M · loan HK$20.72M · min. income ≈ HK$221,580/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,257,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,478
−HK$7,618/mo
▼ 0.25% · 3.875%
HK$125,256
−HK$3,840/mo
Today · 4.125%
HK$129,096
baseline
▲ 0.50% · 4.625%
HK$136,951
+HK$7,855/mo
Deposit HK$2.96M · loan HK$26.64M · min. income ≈ HK$258,192/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,257,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,143
−HK$7,301/mo
▼ 0.25% · 3.875%
HK$138,767
−HK$3,677/mo
Today · 4.125%
HK$142,444
baseline
▲ 0.50% · 4.625%
HK$149,953
+HK$7,509/mo
Deposit HK$2.96M · loan HK$26.64M · min. income ≈ HK$284,888/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,257,853 · Scale 2, in force from 26 Feb 2026)