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$67,757
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$69,864
−HK$2,142/mo
Today · 4.125%
HK$72,006
baseline
▲ 0.50% · 4.625%
HK$76,387
+HK$4,381/mo
Deposit HK$14.86M · loan HK$14.86M · min. income ≈ HK$144,012/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,262,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,379
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$77,400
−HK$2,051/mo
Today · 4.125%
HK$79,451
baseline
▲ 0.50% · 4.625%
HK$83,639
+HK$4,188/mo
Deposit HK$14.86M · loan HK$14.86M · min. income ≈ HK$158,902/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,262,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,308
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$83,837
−HK$2,570/mo
Today · 4.125%
HK$86,407
baseline
▲ 0.50% · 4.625%
HK$91,664
+HK$5,257/mo
Deposit HK$11.89M · loan HK$17.83M · min. income ≈ HK$172,814/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,262,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,454
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$92,880
−HK$2,461/mo
Today · 4.125%
HK$95,341
baseline
▲ 0.50% · 4.625%
HK$100,367
+HK$5,026/mo
Deposit HK$11.89M · loan HK$17.83M · min. income ≈ HK$190,682/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,262,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,859
−HK$5,949/mo
▼ 0.25% · 3.875%
HK$97,810
−HK$2,998/mo
Today · 4.125%
HK$100,808
baseline
▲ 0.50% · 4.625%
HK$106,942
+HK$6,134/mo
Deposit HK$8.91M · loan HK$20.80M · min. income ≈ HK$201,616/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,262,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,530
−HK$5,701/mo
▼ 0.25% · 3.875%
HK$108,360
−HK$2,871/mo
Today · 4.125%
HK$111,231
baseline
▲ 0.50% · 4.625%
HK$117,095
+HK$5,864/mo
Deposit HK$8.91M · loan HK$20.80M · min. income ≈ HK$222,462/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,262,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,962
−HK$7,648/mo
▼ 0.25% · 3.875%
HK$125,756
−HK$3,854/mo
Today · 4.125%
HK$129,610
baseline
▲ 0.50% · 4.625%
HK$137,496
+HK$7,886/mo
Deposit HK$2.97M · loan HK$26.74M · min. income ≈ HK$259,220/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,262,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,681
−HK$7,331/mo
▼ 0.25% · 3.875%
HK$139,320
−HK$3,692/mo
Today · 4.125%
HK$143,012
baseline
▲ 0.50% · 4.625%
HK$150,550
+HK$7,538/mo
Deposit HK$2.97M · loan HK$26.74M · min. income ≈ HK$286,024/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,262,865 · Scale 2, in force from 26 Feb 2026)