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$67,959
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$70,073
−HK$2,147/mo
Today · 4.125%
HK$72,220
baseline
▲ 0.50% · 4.625%
HK$76,615
+HK$4,395/mo
Deposit HK$14.90M · loan HK$14.90M · min. income ≈ HK$144,440/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,266,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,604
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$77,631
−HK$2,057/mo
Today · 4.125%
HK$79,688
baseline
▲ 0.50% · 4.625%
HK$83,889
+HK$4,201/mo
Deposit HK$14.90M · loan HK$14.90M · min. income ≈ HK$159,376/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,266,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,551
−HK$5,114/mo
▼ 0.25% · 3.875%
HK$84,087
−HK$2,578/mo
Today · 4.125%
HK$86,665
baseline
▲ 0.50% · 4.625%
HK$91,938
+HK$5,273/mo
Deposit HK$11.92M · loan HK$17.88M · min. income ≈ HK$173,330/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,266,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,724
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$93,157
−HK$2,469/mo
Today · 4.125%
HK$95,626
baseline
▲ 0.50% · 4.625%
HK$100,666
+HK$5,040/mo
Deposit HK$11.92M · loan HK$17.88M · min. income ≈ HK$191,252/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,266,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,142
−HK$5,967/mo
▼ 0.25% · 3.875%
HK$98,102
−HK$3,007/mo
Today · 4.125%
HK$101,109
baseline
▲ 0.50% · 4.625%
HK$107,261
+HK$6,152/mo
Deposit HK$8.94M · loan HK$20.86M · min. income ≈ HK$202,218/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$1,266,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,845
−HK$5,718/mo
▼ 0.25% · 3.875%
HK$108,684
−HK$2,879/mo
Today · 4.125%
HK$111,563
baseline
▲ 0.50% · 4.625%
HK$117,444
+HK$5,881/mo
Deposit HK$8.94M · loan HK$20.86M · min. income ≈ HK$223,126/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$1,266,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,326
−HK$7,671/mo
▼ 0.25% · 3.875%
HK$126,131
−HK$3,866/mo
Today · 4.125%
HK$129,997
baseline
▲ 0.50% · 4.625%
HK$137,907
+HK$7,910/mo
Deposit HK$2.98M · loan HK$26.82M · min. income ≈ HK$259,994/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,266,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,086
−HK$7,353/mo
▼ 0.25% · 3.875%
HK$139,736
−HK$3,703/mo
Today · 4.125%
HK$143,439
baseline
▲ 0.50% · 4.625%
HK$151,000
+HK$7,561/mo
Deposit HK$2.98M · loan HK$26.82M · min. income ≈ HK$286,878/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,266,635 · Scale 2, in force from 26 Feb 2026)