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$68,153
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$70,273
−HK$2,154/mo
Today · 4.125%
HK$72,427
baseline
▲ 0.50% · 4.625%
HK$76,834
+HK$4,407/mo
Deposit HK$14.94M · loan HK$14.94M · min. income ≈ HK$144,854/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$1,270,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,820
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$77,853
−HK$2,063/mo
Today · 4.125%
HK$79,916
baseline
▲ 0.50% · 4.625%
HK$84,128
+HK$4,212/mo
Deposit HK$14.94M · loan HK$14.94M · min. income ≈ HK$159,832/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$1,270,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,784
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$84,328
−HK$2,584/mo
Today · 4.125%
HK$86,912
baseline
▲ 0.50% · 4.625%
HK$92,201
+HK$5,289/mo
Deposit HK$11.96M · loan HK$17.93M · min. income ≈ HK$173,824/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,270,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,984
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$93,424
−HK$2,475/mo
Today · 4.125%
HK$95,899
baseline
▲ 0.50% · 4.625%
HK$100,954
+HK$5,055/mo
Deposit HK$11.96M · loan HK$17.93M · min. income ≈ HK$191,798/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,270,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,414
−HK$5,984/mo
▼ 0.25% · 3.875%
HK$98,382
−HK$3,016/mo
Today · 4.125%
HK$101,398
baseline
▲ 0.50% · 4.625%
HK$107,567
+HK$6,169/mo
Deposit HK$8.97M · loan HK$20.92M · min. income ≈ HK$202,796/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,270,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,147
−HK$5,735/mo
▼ 0.25% · 3.875%
HK$108,994
−HK$2,888/mo
Today · 4.125%
HK$111,882
baseline
▲ 0.50% · 4.625%
HK$117,780
+HK$5,898/mo
Deposit HK$8.97M · loan HK$20.92M · min. income ≈ HK$223,764/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,270,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,676
−HK$7,692/mo
▼ 0.25% · 3.875%
HK$126,491
−HK$3,877/mo
Today · 4.125%
HK$130,368
baseline
▲ 0.50% · 4.625%
HK$138,301
+HK$7,933/mo
Deposit HK$2.99M · loan HK$26.90M · min. income ≈ HK$260,736/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,270,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,475
−HK$7,374/mo
▼ 0.25% · 3.875%
HK$140,136
−HK$3,713/mo
Today · 4.125%
HK$143,849
baseline
▲ 0.50% · 4.625%
HK$151,431
+HK$7,582/mo
Deposit HK$2.99M · loan HK$26.90M · min. income ≈ HK$287,698/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,270,255 · Scale 2, in force from 26 Feb 2026)