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$67,726
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$69,833
−HK$2,140/mo
Today · 4.125%
HK$71,973
baseline
▲ 0.50% · 4.625%
HK$76,352
+HK$4,379/mo
Deposit HK$14.85M · loan HK$14.85M · min. income ≈ HK$143,946/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,262,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,344
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$77,365
−HK$2,050/mo
Today · 4.125%
HK$79,415
baseline
▲ 0.50% · 4.625%
HK$83,601
+HK$4,186/mo
Deposit HK$14.85M · loan HK$14.85M · min. income ≈ HK$158,830/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,262,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,271
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$83,799
−HK$2,569/mo
Today · 4.125%
HK$86,368
baseline
▲ 0.50% · 4.625%
HK$91,623
+HK$5,255/mo
Deposit HK$11.88M · loan HK$17.82M · min. income ≈ HK$172,736/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,262,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,413
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$92,838
−HK$2,460/mo
Today · 4.125%
HK$95,298
baseline
▲ 0.50% · 4.625%
HK$100,321
+HK$5,023/mo
Deposit HK$11.88M · loan HK$17.82M · min. income ≈ HK$190,596/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,262,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,816
−HK$5,946/mo
▼ 0.25% · 3.875%
HK$97,766
−HK$2,996/mo
Today · 4.125%
HK$100,762
baseline
▲ 0.50% · 4.625%
HK$106,893
+HK$6,131/mo
Deposit HK$8.91M · loan HK$20.79M · min. income ≈ HK$201,524/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$1,262,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,482
−HK$5,699/mo
▼ 0.25% · 3.875%
HK$108,311
−HK$2,870/mo
Today · 4.125%
HK$111,181
baseline
▲ 0.50% · 4.625%
HK$117,042
+HK$5,861/mo
Deposit HK$8.91M · loan HK$20.79M · min. income ≈ HK$222,362/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$1,262,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,907
−HK$7,644/mo
▼ 0.25% · 3.875%
HK$125,699
−HK$3,852/mo
Today · 4.125%
HK$129,551
baseline
▲ 0.50% · 4.625%
HK$137,434
+HK$7,883/mo
Deposit HK$2.97M · loan HK$26.73M · min. income ≈ HK$259,102/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,262,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,620
−HK$7,327/mo
▼ 0.25% · 3.875%
HK$139,257
−HK$3,690/mo
Today · 4.125%
HK$142,947
baseline
▲ 0.50% · 4.625%
HK$150,482
+HK$7,535/mo
Deposit HK$2.97M · loan HK$26.73M · min. income ≈ HK$285,894/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,262,294 · Scale 2, in force from 26 Feb 2026)