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$67,696
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$69,802
−HK$2,139/mo
Today · 4.125%
HK$71,941
baseline
▲ 0.50% · 4.625%
HK$76,318
+HK$4,377/mo
Deposit HK$14.84M · loan HK$14.84M · min. income ≈ HK$143,882/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,261,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,311
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$77,331
−HK$2,049/mo
Today · 4.125%
HK$79,380
baseline
▲ 0.50% · 4.625%
HK$83,564
+HK$4,184/mo
Deposit HK$14.84M · loan HK$14.84M · min. income ≈ HK$158,760/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,261,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,235
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$83,762
−HK$2,567/mo
Today · 4.125%
HK$86,329
baseline
▲ 0.50% · 4.625%
HK$91,582
+HK$5,253/mo
Deposit HK$11.88M · loan HK$17.81M · min. income ≈ HK$172,658/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,261,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,373
−HK$4,883/mo
▼ 0.25% · 3.875%
HK$92,797
−HK$2,459/mo
Today · 4.125%
HK$95,256
baseline
▲ 0.50% · 4.625%
HK$100,277
+HK$5,021/mo
Deposit HK$11.88M · loan HK$17.81M · min. income ≈ HK$190,512/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,261,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,774
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$97,722
−HK$2,995/mo
Today · 4.125%
HK$100,717
baseline
▲ 0.50% · 4.625%
HK$106,846
+HK$6,129/mo
Deposit HK$8.91M · loan HK$20.78M · min. income ≈ HK$201,434/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$1,261,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,435
−HK$5,697/mo
▼ 0.25% · 3.875%
HK$108,263
−HK$2,869/mo
Today · 4.125%
HK$111,132
baseline
▲ 0.50% · 4.625%
HK$116,990
+HK$5,858/mo
Deposit HK$8.91M · loan HK$20.78M · min. income ≈ HK$222,264/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$1,261,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,853
−HK$7,641/mo
▼ 0.25% · 3.875%
HK$125,643
−HK$3,851/mo
Today · 4.125%
HK$129,494
baseline
▲ 0.50% · 4.625%
HK$137,373
+HK$7,879/mo
Deposit HK$2.97M · loan HK$26.72M · min. income ≈ HK$258,988/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,261,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,560
−HK$7,324/mo
▼ 0.25% · 3.875%
HK$139,195
−HK$3,689/mo
Today · 4.125%
HK$142,884
baseline
▲ 0.50% · 4.625%
HK$150,415
+HK$7,531/mo
Deposit HK$2.97M · loan HK$26.72M · min. income ≈ HK$285,768/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,261,734 · Scale 2, in force from 26 Feb 2026)