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$67,883
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$69,994
−HK$2,146/mo
Today · 4.125%
HK$72,140
baseline
▲ 0.50% · 4.625%
HK$76,529
+HK$4,389/mo
Deposit HK$14.88M · loan HK$14.88M · min. income ≈ HK$144,280/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,265,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,519
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$77,544
−HK$2,055/mo
Today · 4.125%
HK$79,599
baseline
▲ 0.50% · 4.625%
HK$83,795
+HK$4,196/mo
Deposit HK$14.88M · loan HK$14.88M · min. income ≈ HK$159,198/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,265,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,459
−HK$5,108/mo
▼ 0.25% · 3.875%
HK$83,993
−HK$2,574/mo
Today · 4.125%
HK$86,567
baseline
▲ 0.50% · 4.625%
HK$91,835
+HK$5,268/mo
Deposit HK$11.91M · loan HK$17.86M · min. income ≈ HK$173,134/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,265,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,623
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$93,053
−HK$2,466/mo
Today · 4.125%
HK$95,519
baseline
▲ 0.50% · 4.625%
HK$100,554
+HK$5,035/mo
Deposit HK$11.91M · loan HK$17.86M · min. income ≈ HK$191,038/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,265,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,036
−HK$5,959/mo
▼ 0.25% · 3.875%
HK$97,992
−HK$3,003/mo
Today · 4.125%
HK$100,995
baseline
▲ 0.50% · 4.625%
HK$107,141
+HK$6,146/mo
Deposit HK$8.93M · loan HK$20.84M · min. income ≈ HK$201,990/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,265,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,726
−HK$5,712/mo
▼ 0.25% · 3.875%
HK$108,562
−HK$2,876/mo
Today · 4.125%
HK$111,438
baseline
▲ 0.50% · 4.625%
HK$117,312
+HK$5,874/mo
Deposit HK$8.93M · loan HK$20.84M · min. income ≈ HK$222,876/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,265,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,189
−HK$7,662/mo
▼ 0.25% · 3.875%
HK$125,990
−HK$3,861/mo
Today · 4.125%
HK$129,851
baseline
▲ 0.50% · 4.625%
HK$137,752
+HK$7,901/mo
Deposit HK$2.98M · loan HK$26.79M · min. income ≈ HK$259,702/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,265,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,934
−HK$7,344/mo
▼ 0.25% · 3.875%
HK$139,580
−HK$3,698/mo
Today · 4.125%
HK$143,278
baseline
▲ 0.50% · 4.625%
HK$150,830
+HK$7,552/mo
Deposit HK$2.98M · loan HK$26.79M · min. income ≈ HK$286,556/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,265,215 · Scale 2, in force from 26 Feb 2026)