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$67,728
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$69,835
−HK$2,140/mo
Today · 4.125%
HK$71,975
baseline
▲ 0.50% · 4.625%
HK$76,355
+HK$4,380/mo
Deposit HK$14.85M · loan HK$14.85M · min. income ≈ HK$143,950/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,262,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,347
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$77,368
−HK$2,050/mo
Today · 4.125%
HK$79,418
baseline
▲ 0.50% · 4.625%
HK$83,604
+HK$4,186/mo
Deposit HK$14.85M · loan HK$14.85M · min. income ≈ HK$158,836/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,262,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,274
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$83,802
−HK$2,568/mo
Today · 4.125%
HK$86,370
baseline
▲ 0.50% · 4.625%
HK$91,626
+HK$5,256/mo
Deposit HK$11.88M · loan HK$17.82M · min. income ≈ HK$172,740/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,262,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,416
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$92,841
−HK$2,460/mo
Today · 4.125%
HK$95,301
baseline
▲ 0.50% · 4.625%
HK$100,325
+HK$5,024/mo
Deposit HK$11.88M · loan HK$17.82M · min. income ≈ HK$190,602/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,262,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,819
−HK$5,946/mo
▼ 0.25% · 3.875%
HK$97,769
−HK$2,996/mo
Today · 4.125%
HK$100,765
baseline
▲ 0.50% · 4.625%
HK$106,897
+HK$6,132/mo
Deposit HK$8.91M · loan HK$20.79M · min. income ≈ HK$201,530/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$1,262,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,486
−HK$5,699/mo
▼ 0.25% · 3.875%
HK$108,315
−HK$2,870/mo
Today · 4.125%
HK$111,185
baseline
▲ 0.50% · 4.625%
HK$117,045
+HK$5,860/mo
Deposit HK$8.91M · loan HK$20.79M · min. income ≈ HK$222,370/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$1,262,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,911
−HK$7,645/mo
▼ 0.25% · 3.875%
HK$125,703
−HK$3,853/mo
Today · 4.125%
HK$129,556
baseline
▲ 0.50% · 4.625%
HK$137,439
+HK$7,883/mo
Deposit HK$2.97M · loan HK$26.73M · min. income ≈ HK$259,112/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,262,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,624
−HK$7,328/mo
▼ 0.25% · 3.875%
HK$139,262
−HK$3,690/mo
Today · 4.125%
HK$142,952
baseline
▲ 0.50% · 4.625%
HK$150,487
+HK$7,535/mo
Deposit HK$2.97M · loan HK$26.73M · min. income ≈ HK$285,904/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,262,336 · Scale 2, in force from 26 Feb 2026)