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$67,929
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$70,042
−HK$2,147/mo
Today · 4.125%
HK$72,189
baseline
▲ 0.50% · 4.625%
HK$76,582
+HK$4,393/mo
Deposit HK$14.90M · loan HK$14.90M · min. income ≈ HK$144,378/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,266,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,571
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$77,597
−HK$2,056/mo
Today · 4.125%
HK$79,653
baseline
▲ 0.50% · 4.625%
HK$83,852
+HK$4,199/mo
Deposit HK$14.90M · loan HK$14.90M · min. income ≈ HK$159,306/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,266,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,515
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$84,051
−HK$2,576/mo
Today · 4.125%
HK$86,627
baseline
▲ 0.50% · 4.625%
HK$91,898
+HK$5,271/mo
Deposit HK$11.92M · loan HK$17.87M · min. income ≈ HK$173,254/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,266,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,685
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$93,117
−HK$2,467/mo
Today · 4.125%
HK$95,584
baseline
▲ 0.50% · 4.625%
HK$100,623
+HK$5,039/mo
Deposit HK$11.92M · loan HK$17.87M · min. income ≈ HK$191,168/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,266,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,101
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$98,059
−HK$3,006/mo
Today · 4.125%
HK$101,065
baseline
▲ 0.50% · 4.625%
HK$107,214
+HK$6,149/mo
Deposit HK$8.94M · loan HK$20.85M · min. income ≈ HK$202,130/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,266,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,799
−HK$5,716/mo
▼ 0.25% · 3.875%
HK$108,636
−HK$2,879/mo
Today · 4.125%
HK$111,515
baseline
▲ 0.50% · 4.625%
HK$117,393
+HK$5,878/mo
Deposit HK$8.94M · loan HK$20.85M · min. income ≈ HK$223,030/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,266,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,273
−HK$7,667/mo
▼ 0.25% · 3.875%
HK$126,076
−HK$3,864/mo
Today · 4.125%
HK$129,940
baseline
▲ 0.50% · 4.625%
HK$137,847
+HK$7,907/mo
Deposit HK$2.98M · loan HK$26.81M · min. income ≈ HK$259,880/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,266,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,027
−HK$7,349/mo
▼ 0.25% · 3.875%
HK$139,675
−HK$3,701/mo
Today · 4.125%
HK$143,376
baseline
▲ 0.50% · 4.625%
HK$150,934
+HK$7,558/mo
Deposit HK$2.98M · loan HK$26.81M · min. income ≈ HK$286,752/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,266,083 · Scale 2, in force from 26 Feb 2026)