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$68,066
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$70,184
−HK$2,151/mo
Today · 4.125%
HK$72,335
baseline
▲ 0.50% · 4.625%
HK$76,736
+HK$4,401/mo
Deposit HK$14.93M · loan HK$14.93M · min. income ≈ HK$144,670/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,268,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,723
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$77,754
−HK$2,060/mo
Today · 4.125%
HK$79,814
baseline
▲ 0.50% · 4.625%
HK$84,021
+HK$4,207/mo
Deposit HK$14.93M · loan HK$14.93M · min. income ≈ HK$159,628/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,268,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,680
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$84,220
−HK$2,582/mo
Today · 4.125%
HK$86,802
baseline
▲ 0.50% · 4.625%
HK$92,083
+HK$5,281/mo
Deposit HK$11.94M · loan HK$17.91M · min. income ≈ HK$173,604/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,268,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,868
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$93,305
−HK$2,472/mo
Today · 4.125%
HK$95,777
baseline
▲ 0.50% · 4.625%
HK$100,826
+HK$5,049/mo
Deposit HK$11.94M · loan HK$17.91M · min. income ≈ HK$191,554/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,268,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,293
−HK$5,976/mo
▼ 0.25% · 3.875%
HK$98,257
−HK$3,012/mo
Today · 4.125%
HK$101,269
baseline
▲ 0.50% · 4.625%
HK$107,431
+HK$6,162/mo
Deposit HK$8.96M · loan HK$20.90M · min. income ≈ HK$202,538/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$1,268,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,013
−HK$5,727/mo
▼ 0.25% · 3.875%
HK$108,856
−HK$2,884/mo
Today · 4.125%
HK$111,740
baseline
▲ 0.50% · 4.625%
HK$117,630
+HK$5,890/mo
Deposit HK$8.96M · loan HK$20.90M · min. income ≈ HK$223,480/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$1,268,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,520
−HK$7,683/mo
▼ 0.25% · 3.875%
HK$126,331
−HK$3,872/mo
Today · 4.125%
HK$130,203
baseline
▲ 0.50% · 4.625%
HK$138,125
+HK$7,922/mo
Deposit HK$2.99M · loan HK$26.87M · min. income ≈ HK$260,406/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,268,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,302
−HK$7,364/mo
▼ 0.25% · 3.875%
HK$139,957
−HK$3,709/mo
Today · 4.125%
HK$143,666
baseline
▲ 0.50% · 4.625%
HK$151,239
+HK$7,573/mo
Deposit HK$2.99M · loan HK$26.87M · min. income ≈ HK$287,332/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,268,640 · Scale 2, in force from 26 Feb 2026)