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$67,963
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$70,077
−HK$2,148/mo
Today · 4.125%
HK$72,225
baseline
▲ 0.50% · 4.625%
HK$76,620
+HK$4,395/mo
Deposit HK$14.90M · loan HK$14.90M · min. income ≈ HK$144,450/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,266,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,608
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$77,636
−HK$2,057/mo
Today · 4.125%
HK$79,693
baseline
▲ 0.50% · 4.625%
HK$83,894
+HK$4,201/mo
Deposit HK$14.90M · loan HK$14.90M · min. income ≈ HK$159,386/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,266,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,556
−HK$5,114/mo
▼ 0.25% · 3.875%
HK$84,093
−HK$2,577/mo
Today · 4.125%
HK$86,670
baseline
▲ 0.50% · 4.625%
HK$91,944
+HK$5,274/mo
Deposit HK$11.92M · loan HK$17.88M · min. income ≈ HK$173,340/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,266,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,730
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$93,163
−HK$2,469/mo
Today · 4.125%
HK$95,632
baseline
▲ 0.50% · 4.625%
HK$100,673
+HK$5,041/mo
Deposit HK$11.92M · loan HK$17.88M · min. income ≈ HK$191,264/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,266,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,148
−HK$5,967/mo
▼ 0.25% · 3.875%
HK$98,108
−HK$3,007/mo
Today · 4.125%
HK$101,115
baseline
▲ 0.50% · 4.625%
HK$107,268
+HK$6,153/mo
Deposit HK$8.94M · loan HK$20.86M · min. income ≈ HK$202,230/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$1,266,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,852
−HK$5,719/mo
▼ 0.25% · 3.875%
HK$108,691
−HK$2,880/mo
Today · 4.125%
HK$111,571
baseline
▲ 0.50% · 4.625%
HK$117,452
+HK$5,881/mo
Deposit HK$8.94M · loan HK$20.86M · min. income ≈ HK$223,142/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$1,266,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,334
−HK$7,671/mo
▼ 0.25% · 3.875%
HK$126,139
−HK$3,866/mo
Today · 4.125%
HK$130,005
baseline
▲ 0.50% · 4.625%
HK$137,916
+HK$7,911/mo
Deposit HK$2.98M · loan HK$26.82M · min. income ≈ HK$260,010/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,266,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,095
−HK$7,353/mo
▼ 0.25% · 3.875%
HK$139,745
−HK$3,703/mo
Today · 4.125%
HK$143,448
baseline
▲ 0.50% · 4.625%
HK$151,009
+HK$7,561/mo
Deposit HK$2.98M · loan HK$26.82M · min. income ≈ HK$286,896/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,266,716 · Scale 2, in force from 26 Feb 2026)