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$67,889
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$70,001
−HK$2,146/mo
Today · 4.125%
HK$72,147
baseline
▲ 0.50% · 4.625%
HK$76,537
+HK$4,390/mo
Deposit HK$14.89M · loan HK$14.89M · min. income ≈ HK$144,294/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,265,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,526
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$77,552
−HK$2,055/mo
Today · 4.125%
HK$79,607
baseline
▲ 0.50% · 4.625%
HK$83,803
+HK$4,196/mo
Deposit HK$14.89M · loan HK$14.89M · min. income ≈ HK$159,214/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,265,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,467
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$84,001
−HK$2,575/mo
Today · 4.125%
HK$86,576
baseline
▲ 0.50% · 4.625%
HK$91,844
+HK$5,268/mo
Deposit HK$11.91M · loan HK$17.86M · min. income ≈ HK$173,152/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,265,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,632
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$93,062
−HK$2,466/mo
Today · 4.125%
HK$95,528
baseline
▲ 0.50% · 4.625%
HK$100,563
+HK$5,035/mo
Deposit HK$11.91M · loan HK$17.86M · min. income ≈ HK$191,056/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,265,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,045
−HK$5,960/mo
▼ 0.25% · 3.875%
HK$98,002
−HK$3,003/mo
Today · 4.125%
HK$101,005
baseline
▲ 0.50% · 4.625%
HK$107,151
+HK$6,146/mo
Deposit HK$8.93M · loan HK$20.84M · min. income ≈ HK$202,010/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,265,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,737
−HK$5,712/mo
▼ 0.25% · 3.875%
HK$108,573
−HK$2,876/mo
Today · 4.125%
HK$111,449
baseline
▲ 0.50% · 4.625%
HK$117,324
+HK$5,875/mo
Deposit HK$8.93M · loan HK$20.84M · min. income ≈ HK$222,898/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,265,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,201
−HK$7,663/mo
▼ 0.25% · 3.875%
HK$126,002
−HK$3,862/mo
Today · 4.125%
HK$129,864
baseline
▲ 0.50% · 4.625%
HK$137,766
+HK$7,902/mo
Deposit HK$2.98M · loan HK$26.80M · min. income ≈ HK$259,728/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,265,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,947
−HK$7,345/mo
▼ 0.25% · 3.875%
HK$139,593
−HK$3,699/mo
Today · 4.125%
HK$143,292
baseline
▲ 0.50% · 4.625%
HK$150,845
+HK$7,553/mo
Deposit HK$2.98M · loan HK$26.80M · min. income ≈ HK$286,584/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,265,341 · Scale 2, in force from 26 Feb 2026)