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$68,137
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$70,257
−HK$2,153/mo
Today · 4.125%
HK$72,410
baseline
▲ 0.50% · 4.625%
HK$76,816
+HK$4,406/mo
Deposit HK$14.94M · loan HK$14.94M · min. income ≈ HK$144,820/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$1,269,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,802
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$77,835
−HK$2,062/mo
Today · 4.125%
HK$79,897
baseline
▲ 0.50% · 4.625%
HK$84,109
+HK$4,212/mo
Deposit HK$14.94M · loan HK$14.94M · min. income ≈ HK$159,794/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$1,269,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,765
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$84,308
−HK$2,584/mo
Today · 4.125%
HK$86,892
baseline
▲ 0.50% · 4.625%
HK$92,179
+HK$5,287/mo
Deposit HK$11.95M · loan HK$17.93M · min. income ≈ HK$173,784/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,269,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,962
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$93,402
−HK$2,475/mo
Today · 4.125%
HK$95,877
baseline
▲ 0.50% · 4.625%
HK$100,930
+HK$5,053/mo
Deposit HK$11.95M · loan HK$17.93M · min. income ≈ HK$191,754/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,269,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,392
−HK$5,982/mo
▼ 0.25% · 3.875%
HK$98,359
−HK$3,015/mo
Today · 4.125%
HK$101,374
baseline
▲ 0.50% · 4.625%
HK$107,542
+HK$6,168/mo
Deposit HK$8.96M · loan HK$20.92M · min. income ≈ HK$202,748/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$1,269,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,123
−HK$5,733/mo
▼ 0.25% · 3.875%
HK$108,969
−HK$2,887/mo
Today · 4.125%
HK$111,856
baseline
▲ 0.50% · 4.625%
HK$117,752
+HK$5,896/mo
Deposit HK$8.96M · loan HK$20.92M · min. income ≈ HK$223,712/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$1,269,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,647
−HK$7,691/mo
▼ 0.25% · 3.875%
HK$126,462
−HK$3,876/mo
Today · 4.125%
HK$130,338
baseline
▲ 0.50% · 4.625%
HK$138,269
+HK$7,931/mo
Deposit HK$2.99M · loan HK$26.89M · min. income ≈ HK$260,676/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,269,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,443
−HK$7,372/mo
▼ 0.25% · 3.875%
HK$140,103
−HK$3,712/mo
Today · 4.125%
HK$143,815
baseline
▲ 0.50% · 4.625%
HK$151,396
+HK$7,581/mo
Deposit HK$2.99M · loan HK$26.89M · min. income ≈ HK$287,630/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,269,957 · Scale 2, in force from 26 Feb 2026)