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$68,087
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$70,205
−HK$2,152/mo
Today · 4.125%
HK$72,357
baseline
▲ 0.50% · 4.625%
HK$76,759
+HK$4,402/mo
Deposit HK$14.93M · loan HK$14.93M · min. income ≈ HK$144,714/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,269,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,746
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$77,778
−HK$2,061/mo
Today · 4.125%
HK$79,839
baseline
▲ 0.50% · 4.625%
HK$84,047
+HK$4,208/mo
Deposit HK$14.93M · loan HK$14.93M · min. income ≈ HK$159,678/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,269,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,705
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$84,246
−HK$2,582/mo
Today · 4.125%
HK$86,828
baseline
▲ 0.50% · 4.625%
HK$92,111
+HK$5,283/mo
Deposit HK$11.94M · loan HK$17.92M · min. income ≈ HK$173,656/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,269,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,895
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$93,333
−HK$2,473/mo
Today · 4.125%
HK$95,806
baseline
▲ 0.50% · 4.625%
HK$100,856
+HK$5,050/mo
Deposit HK$11.94M · loan HK$17.92M · min. income ≈ HK$191,612/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,269,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,322
−HK$5,977/mo
▼ 0.25% · 3.875%
HK$98,287
−HK$3,012/mo
Today · 4.125%
HK$101,299
baseline
▲ 0.50% · 4.625%
HK$107,463
+HK$6,164/mo
Deposit HK$8.96M · loan HK$20.90M · min. income ≈ HK$202,598/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$1,269,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,045
−HK$5,729/mo
▼ 0.25% · 3.875%
HK$108,889
−HK$2,885/mo
Today · 4.125%
HK$111,774
baseline
▲ 0.50% · 4.625%
HK$117,666
+HK$5,892/mo
Deposit HK$8.96M · loan HK$20.90M · min. income ≈ HK$223,548/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$1,269,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,557
−HK$7,685/mo
▼ 0.25% · 3.875%
HK$126,369
−HK$3,873/mo
Today · 4.125%
HK$130,242
baseline
▲ 0.50% · 4.625%
HK$138,167
+HK$7,925/mo
Deposit HK$2.99M · loan HK$26.87M · min. income ≈ HK$260,484/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,269,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,343
−HK$7,366/mo
▼ 0.25% · 3.875%
HK$140,000
−HK$3,709/mo
Today · 4.125%
HK$143,709
baseline
▲ 0.50% · 4.625%
HK$151,284
+HK$7,575/mo
Deposit HK$2.99M · loan HK$26.87M · min. income ≈ HK$287,418/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,269,025 · Scale 2, in force from 26 Feb 2026)