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$67,492
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$69,591
−HK$2,133/mo
Today · 4.125%
HK$71,724
baseline
▲ 0.50% · 4.625%
HK$76,089
+HK$4,365/mo
Deposit HK$14.80M · loan HK$14.80M · min. income ≈ HK$143,448/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,257,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,084
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$77,098
−HK$2,043/mo
Today · 4.125%
HK$79,141
baseline
▲ 0.50% · 4.625%
HK$83,312
+HK$4,171/mo
Deposit HK$14.80M · loan HK$14.80M · min. income ≈ HK$158,282/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,257,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,990
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$83,510
−HK$2,559/mo
Today · 4.125%
HK$86,069
baseline
▲ 0.50% · 4.625%
HK$91,306
+HK$5,237/mo
Deposit HK$11.84M · loan HK$17.76M · min. income ≈ HK$172,138/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,257,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,101
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$92,517
−HK$2,452/mo
Today · 4.125%
HK$94,969
baseline
▲ 0.50% · 4.625%
HK$99,975
+HK$5,006/mo
Deposit HK$11.84M · loan HK$17.76M · min. income ≈ HK$189,938/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,257,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,489
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$97,428
−HK$2,986/mo
Today · 4.125%
HK$100,414
baseline
▲ 0.50% · 4.625%
HK$106,524
+HK$6,110/mo
Deposit HK$8.88M · loan HK$20.72M · min. income ≈ HK$200,828/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,257,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,118
−HK$5,679/mo
▼ 0.25% · 3.875%
HK$107,937
−HK$2,860/mo
Today · 4.125%
HK$110,797
baseline
▲ 0.50% · 4.625%
HK$116,637
+HK$5,840/mo
Deposit HK$8.88M · loan HK$20.72M · min. income ≈ HK$221,594/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,257,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,486
−HK$7,618/mo
▼ 0.25% · 3.875%
HK$125,265
−HK$3,839/mo
Today · 4.125%
HK$129,104
baseline
▲ 0.50% · 4.625%
HK$136,960
+HK$7,856/mo
Deposit HK$2.96M · loan HK$26.64M · min. income ≈ HK$258,208/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,257,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,152
−HK$7,301/mo
▼ 0.25% · 3.875%
HK$138,776
−HK$3,677/mo
Today · 4.125%
HK$142,453
baseline
▲ 0.50% · 4.625%
HK$149,962
+HK$7,509/mo
Deposit HK$2.96M · loan HK$26.64M · min. income ≈ HK$284,906/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,257,934 · Scale 2, in force from 26 Feb 2026)