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$68,196
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$70,317
−HK$2,156/mo
Today · 4.125%
HK$72,473
baseline
▲ 0.50% · 4.625%
HK$76,882
+HK$4,409/mo
Deposit HK$14.95M · loan HK$14.95M · min. income ≈ HK$144,946/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,271,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,867
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$77,902
−HK$2,064/mo
Today · 4.125%
HK$79,966
baseline
▲ 0.50% · 4.625%
HK$84,181
+HK$4,215/mo
Deposit HK$14.95M · loan HK$14.95M · min. income ≈ HK$159,932/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,271,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,835
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$84,381
−HK$2,586/mo
Today · 4.125%
HK$86,967
baseline
▲ 0.50% · 4.625%
HK$92,259
+HK$5,292/mo
Deposit HK$11.96M · loan HK$17.94M · min. income ≈ HK$173,934/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,271,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,041
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$93,483
−HK$2,477/mo
Today · 4.125%
HK$95,960
baseline
▲ 0.50% · 4.625%
HK$101,018
+HK$5,058/mo
Deposit HK$11.96M · loan HK$17.94M · min. income ≈ HK$191,920/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,271,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,474
−HK$5,988/mo
▼ 0.25% · 3.875%
HK$98,444
−HK$3,018/mo
Today · 4.125%
HK$101,462
baseline
▲ 0.50% · 4.625%
HK$107,635
+HK$6,173/mo
Deposit HK$8.97M · loan HK$20.94M · min. income ≈ HK$202,924/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,271,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,214
−HK$5,739/mo
▼ 0.25% · 3.875%
HK$109,063
−HK$2,890/mo
Today · 4.125%
HK$111,953
baseline
▲ 0.50% · 4.625%
HK$117,854
+HK$5,901/mo
Deposit HK$8.97M · loan HK$20.94M · min. income ≈ HK$223,906/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,271,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,753
−HK$7,698/mo
▼ 0.25% · 3.875%
HK$126,571
−HK$3,880/mo
Today · 4.125%
HK$130,451
baseline
▲ 0.50% · 4.625%
HK$138,388
+HK$7,937/mo
Deposit HK$2.99M · loan HK$26.92M · min. income ≈ HK$260,902/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,271,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,561
−HK$7,378/mo
▼ 0.25% · 3.875%
HK$140,224
−HK$3,715/mo
Today · 4.125%
HK$143,939
baseline
▲ 0.50% · 4.625%
HK$151,527
+HK$7,588/mo
Deposit HK$2.99M · loan HK$26.92M · min. income ≈ HK$287,878/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,271,055 · Scale 2, in force from 26 Feb 2026)