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$68,096
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$70,214
−HK$2,152/mo
Today · 4.125%
HK$72,366
baseline
▲ 0.50% · 4.625%
HK$76,769
+HK$4,403/mo
Deposit HK$14.93M · loan HK$14.93M · min. income ≈ HK$144,732/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,269,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,756
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$77,787
−HK$2,061/mo
Today · 4.125%
HK$79,848
baseline
▲ 0.50% · 4.625%
HK$84,057
+HK$4,209/mo
Deposit HK$14.93M · loan HK$14.93M · min. income ≈ HK$159,696/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,269,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,715
−HK$5,124/mo
▼ 0.25% · 3.875%
HK$84,256
−HK$2,583/mo
Today · 4.125%
HK$86,839
baseline
▲ 0.50% · 4.625%
HK$92,123
+HK$5,284/mo
Deposit HK$11.95M · loan HK$17.92M · min. income ≈ HK$173,678/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,269,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,907
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$93,345
−HK$2,473/mo
Today · 4.125%
HK$95,818
baseline
▲ 0.50% · 4.625%
HK$100,869
+HK$5,051/mo
Deposit HK$11.95M · loan HK$17.92M · min. income ≈ HK$191,636/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,269,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,334
−HK$5,978/mo
▼ 0.25% · 3.875%
HK$98,299
−HK$3,013/mo
Today · 4.125%
HK$101,312
baseline
▲ 0.50% · 4.625%
HK$107,477
+HK$6,165/mo
Deposit HK$8.96M · loan HK$20.90M · min. income ≈ HK$202,624/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$1,269,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,058
−HK$5,730/mo
▼ 0.25% · 3.875%
HK$108,902
−HK$2,886/mo
Today · 4.125%
HK$111,788
baseline
▲ 0.50% · 4.625%
HK$117,680
+HK$5,892/mo
Deposit HK$8.96M · loan HK$20.90M · min. income ≈ HK$223,576/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$1,269,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,572
−HK$7,686/mo
▼ 0.25% · 3.875%
HK$126,385
−HK$3,873/mo
Today · 4.125%
HK$130,258
baseline
▲ 0.50% · 4.625%
HK$138,184
+HK$7,926/mo
Deposit HK$2.99M · loan HK$26.88M · min. income ≈ HK$260,516/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,269,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,360
−HK$7,367/mo
▼ 0.25% · 3.875%
HK$140,017
−HK$3,710/mo
Today · 4.125%
HK$143,727
baseline
▲ 0.50% · 4.625%
HK$151,303
+HK$7,576/mo
Deposit HK$2.99M · loan HK$26.88M · min. income ≈ HK$287,454/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,269,182 · Scale 2, in force from 26 Feb 2026)