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$67,939
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$70,052
−HK$2,147/mo
Today · 4.125%
HK$72,199
baseline
▲ 0.50% · 4.625%
HK$76,592
+HK$4,393/mo
Deposit HK$14.90M · loan HK$14.90M · min. income ≈ HK$144,398/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,266,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,581
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$77,608
−HK$2,056/mo
Today · 4.125%
HK$79,664
baseline
▲ 0.50% · 4.625%
HK$83,864
+HK$4,200/mo
Deposit HK$14.90M · loan HK$14.90M · min. income ≈ HK$159,328/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,266,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,526
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$84,062
−HK$2,577/mo
Today · 4.125%
HK$86,639
baseline
▲ 0.50% · 4.625%
HK$91,910
+HK$5,271/mo
Deposit HK$11.92M · loan HK$17.88M · min. income ≈ HK$173,278/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,266,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,697
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$93,130
−HK$2,467/mo
Today · 4.125%
HK$95,597
baseline
▲ 0.50% · 4.625%
HK$100,636
+HK$5,039/mo
Deposit HK$11.92M · loan HK$17.88M · min. income ≈ HK$191,194/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,266,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,114
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$98,073
−HK$3,005/mo
Today · 4.125%
HK$101,078
baseline
▲ 0.50% · 4.625%
HK$107,229
+HK$6,151/mo
Deposit HK$8.94M · loan HK$20.86M · min. income ≈ HK$202,156/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,266,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,813
−HK$5,717/mo
▼ 0.25% · 3.875%
HK$108,651
−HK$2,879/mo
Today · 4.125%
HK$111,530
baseline
▲ 0.50% · 4.625%
HK$117,409
+HK$5,879/mo
Deposit HK$8.94M · loan HK$20.86M · min. income ≈ HK$223,060/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,266,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,289
−HK$7,669/mo
▼ 0.25% · 3.875%
HK$126,093
−HK$3,865/mo
Today · 4.125%
HK$129,958
baseline
▲ 0.50% · 4.625%
HK$137,866
+HK$7,908/mo
Deposit HK$2.98M · loan HK$26.81M · min. income ≈ HK$259,916/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,266,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,046
−HK$7,350/mo
▼ 0.25% · 3.875%
HK$139,694
−HK$3,702/mo
Today · 4.125%
HK$143,396
baseline
▲ 0.50% · 4.625%
HK$150,954
+HK$7,558/mo
Deposit HK$2.98M · loan HK$26.81M · min. income ≈ HK$286,792/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,266,257 · Scale 2, in force from 26 Feb 2026)