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$68,184
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$70,304
−HK$2,155/mo
Today · 4.125%
HK$72,459
baseline
▲ 0.50% · 4.625%
HK$76,868
+HK$4,409/mo
Deposit HK$14.95M · loan HK$14.95M · min. income ≈ HK$144,918/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,270,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,853
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$77,888
−HK$2,064/mo
Today · 4.125%
HK$79,952
baseline
▲ 0.50% · 4.625%
HK$84,166
+HK$4,214/mo
Deposit HK$14.95M · loan HK$14.95M · min. income ≈ HK$159,904/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,270,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,820
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$84,365
−HK$2,586/mo
Today · 4.125%
HK$86,951
baseline
▲ 0.50% · 4.625%
HK$92,242
+HK$5,291/mo
Deposit HK$11.96M · loan HK$17.94M · min. income ≈ HK$173,902/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,270,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,024
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$93,465
−HK$2,477/mo
Today · 4.125%
HK$95,942
baseline
▲ 0.50% · 4.625%
HK$100,999
+HK$5,057/mo
Deposit HK$11.96M · loan HK$17.94M · min. income ≈ HK$191,884/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,270,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,457
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$98,426
−HK$3,017/mo
Today · 4.125%
HK$101,443
baseline
▲ 0.50% · 4.625%
HK$107,615
+HK$6,172/mo
Deposit HK$8.97M · loan HK$20.93M · min. income ≈ HK$202,886/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,270,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,195
−HK$5,737/mo
▼ 0.25% · 3.875%
HK$109,043
−HK$2,889/mo
Today · 4.125%
HK$111,932
baseline
▲ 0.50% · 4.625%
HK$117,832
+HK$5,900/mo
Deposit HK$8.97M · loan HK$20.93M · min. income ≈ HK$223,864/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,270,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,730
−HK$7,697/mo
▼ 0.25% · 3.875%
HK$126,548
−HK$3,879/mo
Today · 4.125%
HK$130,427
baseline
▲ 0.50% · 4.625%
HK$138,363
+HK$7,936/mo
Deposit HK$2.99M · loan HK$26.91M · min. income ≈ HK$260,854/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,270,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,536
−HK$7,377/mo
▼ 0.25% · 3.875%
HK$140,198
−HK$3,715/mo
Today · 4.125%
HK$143,913
baseline
▲ 0.50% · 4.625%
HK$151,499
+HK$7,586/mo
Deposit HK$2.99M · loan HK$26.91M · min. income ≈ HK$287,826/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,270,822 · Scale 2, in force from 26 Feb 2026)