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$68,194
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$70,315
−HK$2,155/mo
Today · 4.125%
HK$72,470
baseline
▲ 0.50% · 4.625%
HK$76,880
+HK$4,410/mo
Deposit HK$14.95M · loan HK$14.95M · min. income ≈ HK$144,940/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,271,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,865
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$77,900
−HK$2,064/mo
Today · 4.125%
HK$79,964
baseline
▲ 0.50% · 4.625%
HK$84,179
+HK$4,215/mo
Deposit HK$14.95M · loan HK$14.95M · min. income ≈ HK$159,928/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,271,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,833
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$84,378
−HK$2,586/mo
Today · 4.125%
HK$86,964
baseline
▲ 0.50% · 4.625%
HK$92,256
+HK$5,292/mo
Deposit HK$11.96M · loan HK$17.94M · min. income ≈ HK$173,928/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,271,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,038
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$93,479
−HK$2,477/mo
Today · 4.125%
HK$95,956
baseline
▲ 0.50% · 4.625%
HK$101,014
+HK$5,058/mo
Deposit HK$11.96M · loan HK$17.94M · min. income ≈ HK$191,912/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,271,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,471
−HK$5,987/mo
▼ 0.25% · 3.875%
HK$98,441
−HK$3,017/mo
Today · 4.125%
HK$101,458
baseline
▲ 0.50% · 4.625%
HK$107,632
+HK$6,174/mo
Deposit HK$8.97M · loan HK$20.93M · min. income ≈ HK$202,916/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,271,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,211
−HK$5,738/mo
▼ 0.25% · 3.875%
HK$109,059
−HK$2,890/mo
Today · 4.125%
HK$111,949
baseline
▲ 0.50% · 4.625%
HK$117,850
+HK$5,901/mo
Deposit HK$8.97M · loan HK$20.93M · min. income ≈ HK$223,898/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,271,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,749
−HK$7,697/mo
▼ 0.25% · 3.875%
HK$126,567
−HK$3,879/mo
Today · 4.125%
HK$130,446
baseline
▲ 0.50% · 4.625%
HK$138,384
+HK$7,938/mo
Deposit HK$2.99M · loan HK$26.92M · min. income ≈ HK$260,892/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,271,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,557
−HK$7,378/mo
▼ 0.25% · 3.875%
HK$140,219
−HK$3,716/mo
Today · 4.125%
HK$143,935
baseline
▲ 0.50% · 4.625%
HK$151,522
+HK$7,587/mo
Deposit HK$2.99M · loan HK$26.92M · min. income ≈ HK$287,870/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,271,013 · Scale 2, in force from 26 Feb 2026)