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$68,170
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$70,290
−HK$2,154/mo
Today · 4.125%
HK$72,444
baseline
▲ 0.50% · 4.625%
HK$76,852
+HK$4,408/mo
Deposit HK$14.95M · loan HK$14.95M · min. income ≈ HK$144,888/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,270,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,838
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$77,872
−HK$2,063/mo
Today · 4.125%
HK$79,935
baseline
▲ 0.50% · 4.625%
HK$84,149
+HK$4,214/mo
Deposit HK$14.95M · loan HK$14.95M · min. income ≈ HK$159,870/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,270,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,803
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$84,348
−HK$2,585/mo
Today · 4.125%
HK$86,933
baseline
▲ 0.50% · 4.625%
HK$92,223
+HK$5,290/mo
Deposit HK$11.96M · loan HK$17.94M · min. income ≈ HK$173,866/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,270,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,005
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$93,446
−HK$2,476/mo
Today · 4.125%
HK$95,922
baseline
▲ 0.50% · 4.625%
HK$100,978
+HK$5,056/mo
Deposit HK$11.96M · loan HK$17.94M · min. income ≈ HK$191,844/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,270,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,437
−HK$5,985/mo
▼ 0.25% · 3.875%
HK$98,406
−HK$3,016/mo
Today · 4.125%
HK$101,422
baseline
▲ 0.50% · 4.625%
HK$107,593
+HK$6,171/mo
Deposit HK$8.97M · loan HK$20.93M · min. income ≈ HK$202,844/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,270,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,173
−HK$5,736/mo
▼ 0.25% · 3.875%
HK$109,021
−HK$2,888/mo
Today · 4.125%
HK$111,909
baseline
▲ 0.50% · 4.625%
HK$117,808
+HK$5,899/mo
Deposit HK$8.97M · loan HK$20.93M · min. income ≈ HK$223,818/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,270,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,705
−HK$7,695/mo
▼ 0.25% · 3.875%
HK$126,522
−HK$3,878/mo
Today · 4.125%
HK$130,400
baseline
▲ 0.50% · 4.625%
HK$138,334
+HK$7,934/mo
Deposit HK$2.99M · loan HK$26.91M · min. income ≈ HK$260,800/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,270,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,508
−HK$7,375/mo
▼ 0.25% · 3.875%
HK$140,169
−HK$3,714/mo
Today · 4.125%
HK$143,883
baseline
▲ 0.50% · 4.625%
HK$151,468
+HK$7,585/mo
Deposit HK$2.99M · loan HK$26.91M · min. income ≈ HK$287,766/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,270,561 · Scale 2, in force from 26 Feb 2026)