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$67,719
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$69,825
−HK$2,140/mo
Today · 4.125%
HK$71,965
baseline
▲ 0.50% · 4.625%
HK$76,344
+HK$4,379/mo
Deposit HK$14.85M · loan HK$14.85M · min. income ≈ HK$143,930/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,262,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,336
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$77,357
−HK$2,049/mo
Today · 4.125%
HK$79,406
baseline
▲ 0.50% · 4.625%
HK$83,592
+HK$4,186/mo
Deposit HK$14.85M · loan HK$14.85M · min. income ≈ HK$158,812/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,262,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,262
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$83,790
−HK$2,568/mo
Today · 4.125%
HK$86,358
baseline
▲ 0.50% · 4.625%
HK$91,613
+HK$5,255/mo
Deposit HK$11.88M · loan HK$17.82M · min. income ≈ HK$172,716/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,262,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,403
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$92,828
−HK$2,460/mo
Today · 4.125%
HK$95,288
baseline
▲ 0.50% · 4.625%
HK$100,310
+HK$5,022/mo
Deposit HK$11.88M · loan HK$17.82M · min. income ≈ HK$190,576/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,262,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,806
−HK$5,945/mo
▼ 0.25% · 3.875%
HK$97,755
−HK$2,996/mo
Today · 4.125%
HK$100,751
baseline
▲ 0.50% · 4.625%
HK$106,882
+HK$6,131/mo
Deposit HK$8.91M · loan HK$20.79M · min. income ≈ HK$201,502/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$1,262,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,471
−HK$5,698/mo
▼ 0.25% · 3.875%
HK$108,299
−HK$2,870/mo
Today · 4.125%
HK$111,169
baseline
▲ 0.50% · 4.625%
HK$117,029
+HK$5,860/mo
Deposit HK$8.91M · loan HK$20.79M · min. income ≈ HK$222,338/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$1,262,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,893
−HK$7,644/mo
▼ 0.25% · 3.875%
HK$125,685
−HK$3,852/mo
Today · 4.125%
HK$129,537
baseline
▲ 0.50% · 4.625%
HK$137,419
+HK$7,882/mo
Deposit HK$2.97M · loan HK$26.73M · min. income ≈ HK$259,074/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,262,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,605
−HK$7,326/mo
▼ 0.25% · 3.875%
HK$139,242
−HK$3,689/mo
Today · 4.125%
HK$142,931
baseline
▲ 0.50% · 4.625%
HK$150,466
+HK$7,535/mo
Deposit HK$2.97M · loan HK$26.73M · min. income ≈ HK$285,862/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,262,156 · Scale 2, in force from 26 Feb 2026)