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$68,010
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$70,126
−HK$2,149/mo
Today · 4.125%
HK$72,275
baseline
▲ 0.50% · 4.625%
HK$76,673
+HK$4,398/mo
Deposit HK$14.91M · loan HK$14.91M · min. income ≈ HK$144,550/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$1,267,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,661
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$77,690
−HK$2,058/mo
Today · 4.125%
HK$79,748
baseline
▲ 0.50% · 4.625%
HK$83,952
+HK$4,204/mo
Deposit HK$14.91M · loan HK$14.91M · min. income ≈ HK$159,496/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$1,267,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,612
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$84,151
−HK$2,579/mo
Today · 4.125%
HK$86,730
baseline
▲ 0.50% · 4.625%
HK$92,007
+HK$5,277/mo
Deposit HK$11.93M · loan HK$17.90M · min. income ≈ HK$173,460/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,267,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,793
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$93,228
−HK$2,470/mo
Today · 4.125%
HK$95,698
baseline
▲ 0.50% · 4.625%
HK$100,742
+HK$5,044/mo
Deposit HK$11.93M · loan HK$17.90M · min. income ≈ HK$191,396/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,267,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,214
−HK$5,971/mo
▼ 0.25% · 3.875%
HK$98,176
−HK$3,009/mo
Today · 4.125%
HK$101,185
baseline
▲ 0.50% · 4.625%
HK$107,342
+HK$6,157/mo
Deposit HK$8.95M · loan HK$20.88M · min. income ≈ HK$202,370/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$1,267,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,925
−HK$5,723/mo
▼ 0.25% · 3.875%
HK$108,766
−HK$2,882/mo
Today · 4.125%
HK$111,648
baseline
▲ 0.50% · 4.625%
HK$117,533
+HK$5,885/mo
Deposit HK$8.95M · loan HK$20.88M · min. income ≈ HK$223,296/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$1,267,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,418
−HK$7,677/mo
▼ 0.25% · 3.875%
HK$126,226
−HK$3,869/mo
Today · 4.125%
HK$130,095
baseline
▲ 0.50% · 4.625%
HK$138,011
+HK$7,916/mo
Deposit HK$2.98M · loan HK$26.84M · min. income ≈ HK$260,190/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,267,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,189
−HK$7,358/mo
▼ 0.25% · 3.875%
HK$139,842
−HK$3,705/mo
Today · 4.125%
HK$143,547
baseline
▲ 0.50% · 4.625%
HK$151,114
+HK$7,567/mo
Deposit HK$2.98M · loan HK$26.84M · min. income ≈ HK$287,094/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,267,593 · Scale 2, in force from 26 Feb 2026)