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$67,935
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$70,048
−HK$2,147/mo
Today · 4.125%
HK$72,195
baseline
▲ 0.50% · 4.625%
HK$76,588
+HK$4,393/mo
Deposit HK$14.90M · loan HK$14.90M · min. income ≈ HK$144,390/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,266,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,577
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$77,604
−HK$2,056/mo
Today · 4.125%
HK$79,660
baseline
▲ 0.50% · 4.625%
HK$83,859
+HK$4,199/mo
Deposit HK$14.90M · loan HK$14.90M · min. income ≈ HK$159,320/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,266,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,522
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$84,058
−HK$2,576/mo
Today · 4.125%
HK$86,634
baseline
▲ 0.50% · 4.625%
HK$91,906
+HK$5,272/mo
Deposit HK$11.92M · loan HK$17.88M · min. income ≈ HK$173,268/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,266,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,692
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$93,125
−HK$2,467/mo
Today · 4.125%
HK$95,592
baseline
▲ 0.50% · 4.625%
HK$100,631
+HK$5,039/mo
Deposit HK$11.92M · loan HK$17.88M · min. income ≈ HK$191,184/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,266,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,109
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$98,067
−HK$3,006/mo
Today · 4.125%
HK$101,073
baseline
▲ 0.50% · 4.625%
HK$107,223
+HK$6,150/mo
Deposit HK$8.94M · loan HK$20.85M · min. income ≈ HK$202,146/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,266,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,808
−HK$5,716/mo
▼ 0.25% · 3.875%
HK$108,646
−HK$2,878/mo
Today · 4.125%
HK$111,524
baseline
▲ 0.50% · 4.625%
HK$117,403
+HK$5,879/mo
Deposit HK$8.94M · loan HK$20.85M · min. income ≈ HK$223,048/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,266,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,283
−HK$7,668/mo
▼ 0.25% · 3.875%
HK$126,087
−HK$3,864/mo
Today · 4.125%
HK$129,951
baseline
▲ 0.50% · 4.625%
HK$137,859
+HK$7,908/mo
Deposit HK$2.98M · loan HK$26.81M · min. income ≈ HK$259,902/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,266,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,039
−HK$7,349/mo
▼ 0.25% · 3.875%
HK$139,687
−HK$3,701/mo
Today · 4.125%
HK$143,388
baseline
▲ 0.50% · 4.625%
HK$150,947
+HK$7,559/mo
Deposit HK$2.98M · loan HK$26.81M · min. income ≈ HK$286,776/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,266,191 · Scale 2, in force from 26 Feb 2026)