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$67,962
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$70,076
−HK$2,147/mo
Today · 4.125%
HK$72,223
baseline
▲ 0.50% · 4.625%
HK$76,618
+HK$4,395/mo
Deposit HK$14.90M · loan HK$14.90M · min. income ≈ HK$144,446/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,266,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,607
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$77,634
−HK$2,057/mo
Today · 4.125%
HK$79,691
baseline
▲ 0.50% · 4.625%
HK$83,892
+HK$4,201/mo
Deposit HK$14.90M · loan HK$14.90M · min. income ≈ HK$159,382/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,266,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,554
−HK$5,114/mo
▼ 0.25% · 3.875%
HK$84,091
−HK$2,577/mo
Today · 4.125%
HK$86,668
baseline
▲ 0.50% · 4.625%
HK$91,942
+HK$5,274/mo
Deposit HK$11.92M · loan HK$17.88M · min. income ≈ HK$173,336/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,266,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,728
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$93,161
−HK$2,469/mo
Today · 4.125%
HK$95,630
baseline
▲ 0.50% · 4.625%
HK$100,670
+HK$5,040/mo
Deposit HK$11.92M · loan HK$17.88M · min. income ≈ HK$191,260/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,266,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,146
−HK$5,967/mo
▼ 0.25% · 3.875%
HK$98,106
−HK$3,007/mo
Today · 4.125%
HK$101,113
baseline
▲ 0.50% · 4.625%
HK$107,265
+HK$6,152/mo
Deposit HK$8.94M · loan HK$20.86M · min. income ≈ HK$202,226/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$1,266,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,849
−HK$5,719/mo
▼ 0.25% · 3.875%
HK$108,688
−HK$2,880/mo
Today · 4.125%
HK$111,568
baseline
▲ 0.50% · 4.625%
HK$117,449
+HK$5,881/mo
Deposit HK$8.94M · loan HK$20.86M · min. income ≈ HK$223,136/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$1,266,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,331
−HK$7,671/mo
▼ 0.25% · 3.875%
HK$126,136
−HK$3,866/mo
Today · 4.125%
HK$130,002
baseline
▲ 0.50% · 4.625%
HK$137,912
+HK$7,910/mo
Deposit HK$2.98M · loan HK$26.82M · min. income ≈ HK$260,004/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,266,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,092
−HK$7,352/mo
▼ 0.25% · 3.875%
HK$139,742
−HK$3,702/mo
Today · 4.125%
HK$143,444
baseline
▲ 0.50% · 4.625%
HK$151,006
+HK$7,562/mo
Deposit HK$2.98M · loan HK$26.82M · min. income ≈ HK$286,888/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,266,686 · Scale 2, in force from 26 Feb 2026)