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$68,133
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$70,252
−HK$2,153/mo
Today · 4.125%
HK$72,405
baseline
▲ 0.50% · 4.625%
HK$76,811
+HK$4,406/mo
Deposit HK$14.94M · loan HK$14.94M · min. income ≈ HK$144,810/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$1,269,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,797
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$77,830
−HK$2,062/mo
Today · 4.125%
HK$79,892
baseline
▲ 0.50% · 4.625%
HK$84,103
+HK$4,211/mo
Deposit HK$14.94M · loan HK$14.94M · min. income ≈ HK$159,784/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$1,269,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,759
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$84,302
−HK$2,584/mo
Today · 4.125%
HK$86,886
baseline
▲ 0.50% · 4.625%
HK$92,173
+HK$5,287/mo
Deposit HK$11.95M · loan HK$17.93M · min. income ≈ HK$173,772/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,269,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,956
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$93,396
−HK$2,474/mo
Today · 4.125%
HK$95,870
baseline
▲ 0.50% · 4.625%
HK$100,924
+HK$5,054/mo
Deposit HK$11.95M · loan HK$17.93M · min. income ≈ HK$191,740/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,269,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,386
−HK$5,981/mo
▼ 0.25% · 3.875%
HK$98,353
−HK$3,014/mo
Today · 4.125%
HK$101,367
baseline
▲ 0.50% · 4.625%
HK$107,535
+HK$6,168/mo
Deposit HK$8.96M · loan HK$20.92M · min. income ≈ HK$202,734/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$1,269,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,116
−HK$5,733/mo
▼ 0.25% · 3.875%
HK$108,962
−HK$2,887/mo
Today · 4.125%
HK$111,849
baseline
▲ 0.50% · 4.625%
HK$117,745
+HK$5,896/mo
Deposit HK$8.96M · loan HK$20.92M · min. income ≈ HK$223,698/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$1,269,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,639
−HK$7,690/mo
▼ 0.25% · 3.875%
HK$126,454
−HK$3,875/mo
Today · 4.125%
HK$130,329
baseline
▲ 0.50% · 4.625%
HK$138,260
+HK$7,931/mo
Deposit HK$2.99M · loan HK$26.89M · min. income ≈ HK$260,658/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,269,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,435
−HK$7,371/mo
▼ 0.25% · 3.875%
HK$140,094
−HK$3,712/mo
Today · 4.125%
HK$143,806
baseline
▲ 0.50% · 4.625%
HK$151,386
+HK$7,580/mo
Deposit HK$2.99M · loan HK$26.89M · min. income ≈ HK$287,612/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,269,876 · Scale 2, in force from 26 Feb 2026)