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$67,708
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$69,814
−HK$2,140/mo
Today · 4.125%
HK$71,954
baseline
▲ 0.50% · 4.625%
HK$76,332
+HK$4,378/mo
Deposit HK$14.85M · loan HK$14.85M · min. income ≈ HK$143,908/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,261,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,325
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$77,345
−HK$2,049/mo
Today · 4.125%
HK$79,394
baseline
▲ 0.50% · 4.625%
HK$83,579
+HK$4,185/mo
Deposit HK$14.85M · loan HK$14.85M · min. income ≈ HK$158,788/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,261,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,250
−HK$5,095/mo
▼ 0.25% · 3.875%
HK$83,777
−HK$2,568/mo
Today · 4.125%
HK$86,345
baseline
▲ 0.50% · 4.625%
HK$91,599
+HK$5,254/mo
Deposit HK$11.88M · loan HK$17.82M · min. income ≈ HK$172,690/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,261,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,390
−HK$4,883/mo
▼ 0.25% · 3.875%
HK$92,814
−HK$2,459/mo
Today · 4.125%
HK$95,273
baseline
▲ 0.50% · 4.625%
HK$100,295
+HK$5,022/mo
Deposit HK$11.88M · loan HK$17.82M · min. income ≈ HK$190,546/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,261,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,792
−HK$5,944/mo
▼ 0.25% · 3.875%
HK$97,740
−HK$2,996/mo
Today · 4.125%
HK$100,736
baseline
▲ 0.50% · 4.625%
HK$106,865
+HK$6,129/mo
Deposit HK$8.91M · loan HK$20.79M · min. income ≈ HK$201,472/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$1,261,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,455
−HK$5,697/mo
▼ 0.25% · 3.875%
HK$108,283
−HK$2,869/mo
Today · 4.125%
HK$111,152
baseline
▲ 0.50% · 4.625%
HK$117,011
+HK$5,859/mo
Deposit HK$8.91M · loan HK$20.79M · min. income ≈ HK$222,304/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$1,261,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,875
−HK$7,643/mo
▼ 0.25% · 3.875%
HK$125,666
−HK$3,852/mo
Today · 4.125%
HK$129,518
baseline
▲ 0.50% · 4.625%
HK$137,398
+HK$7,880/mo
Deposit HK$2.97M · loan HK$26.72M · min. income ≈ HK$259,036/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,261,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,585
−HK$7,325/mo
▼ 0.25% · 3.875%
HK$139,221
−HK$3,689/mo
Today · 4.125%
HK$142,910
baseline
▲ 0.50% · 4.625%
HK$150,443
+HK$7,533/mo
Deposit HK$2.97M · loan HK$26.72M · min. income ≈ HK$285,820/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,261,965 · Scale 2, in force from 26 Feb 2026)