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$67,483
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$69,582
−HK$2,133/mo
Today · 4.125%
HK$71,715
baseline
▲ 0.50% · 4.625%
HK$76,079
+HK$4,364/mo
Deposit HK$14.80M · loan HK$14.80M · min. income ≈ HK$143,430/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,257,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,074
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$77,088
−HK$2,042/mo
Today · 4.125%
HK$79,130
baseline
▲ 0.50% · 4.625%
HK$83,301
+HK$4,171/mo
Deposit HK$14.80M · loan HK$14.80M · min. income ≈ HK$158,260/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,257,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,980
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$83,499
−HK$2,559/mo
Today · 4.125%
HK$86,058
baseline
▲ 0.50% · 4.625%
HK$91,294
+HK$5,236/mo
Deposit HK$11.84M · loan HK$17.76M · min. income ≈ HK$172,116/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,257,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,089
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$92,505
−HK$2,451/mo
Today · 4.125%
HK$94,956
baseline
▲ 0.50% · 4.625%
HK$99,962
+HK$5,006/mo
Deposit HK$11.84M · loan HK$17.76M · min. income ≈ HK$189,912/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,257,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,476
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$97,415
−HK$2,986/mo
Today · 4.125%
HK$100,401
baseline
▲ 0.50% · 4.625%
HK$106,510
+HK$6,109/mo
Deposit HK$8.88M · loan HK$20.72M · min. income ≈ HK$200,802/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,257,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,104
−HK$5,678/mo
▼ 0.25% · 3.875%
HK$107,923
−HK$2,859/mo
Today · 4.125%
HK$110,782
baseline
▲ 0.50% · 4.625%
HK$116,622
+HK$5,840/mo
Deposit HK$8.88M · loan HK$20.72M · min. income ≈ HK$221,564/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,257,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,470
−HK$7,617/mo
▼ 0.25% · 3.875%
HK$125,248
−HK$3,839/mo
Today · 4.125%
HK$129,087
baseline
▲ 0.50% · 4.625%
HK$136,941
+HK$7,854/mo
Deposit HK$2.96M · loan HK$26.64M · min. income ≈ HK$258,174/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,257,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,134
−HK$7,301/mo
▼ 0.25% · 3.875%
HK$138,758
−HK$3,677/mo
Today · 4.125%
HK$142,435
baseline
▲ 0.50% · 4.625%
HK$149,943
+HK$7,508/mo
Deposit HK$2.96M · loan HK$26.64M · min. income ≈ HK$284,870/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,257,768 · Scale 2, in force from 26 Feb 2026)