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$68,210
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$70,332
−HK$2,156/mo
Today · 4.125%
HK$72,488
baseline
▲ 0.50% · 4.625%
HK$76,898
+HK$4,410/mo
Deposit HK$14.96M · loan HK$14.96M · min. income ≈ HK$144,976/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$1,271,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,883
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$77,918
−HK$2,065/mo
Today · 4.125%
HK$79,983
baseline
▲ 0.50% · 4.625%
HK$84,199
+HK$4,216/mo
Deposit HK$14.96M · loan HK$14.96M · min. income ≈ HK$159,966/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$1,271,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,852
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$84,398
−HK$2,587/mo
Today · 4.125%
HK$86,985
baseline
▲ 0.50% · 4.625%
HK$92,278
+HK$5,293/mo
Deposit HK$11.97M · loan HK$17.95M · min. income ≈ HK$173,970/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,271,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,060
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$93,502
−HK$2,478/mo
Today · 4.125%
HK$95,980
baseline
▲ 0.50% · 4.625%
HK$101,039
+HK$5,059/mo
Deposit HK$11.97M · loan HK$17.95M · min. income ≈ HK$191,960/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,271,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,494
−HK$5,989/mo
▼ 0.25% · 3.875%
HK$98,465
−HK$3,018/mo
Today · 4.125%
HK$101,483
baseline
▲ 0.50% · 4.625%
HK$107,658
+HK$6,175/mo
Deposit HK$8.97M · loan HK$20.94M · min. income ≈ HK$202,966/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,271,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,236
−HK$5,740/mo
▼ 0.25% · 3.875%
HK$109,086
−HK$2,890/mo
Today · 4.125%
HK$111,976
baseline
▲ 0.50% · 4.625%
HK$117,879
+HK$5,903/mo
Deposit HK$8.97M · loan HK$20.94M · min. income ≈ HK$223,952/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,271,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,778
−HK$7,700/mo
▼ 0.25% · 3.875%
HK$126,598
−HK$3,880/mo
Today · 4.125%
HK$130,478
baseline
▲ 0.50% · 4.625%
HK$138,417
+HK$7,939/mo
Deposit HK$2.99M · loan HK$26.92M · min. income ≈ HK$260,956/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,271,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,590
−HK$7,379/mo
▼ 0.25% · 3.875%
HK$140,253
−HK$3,716/mo
Today · 4.125%
HK$143,969
baseline
▲ 0.50% · 4.625%
HK$151,558
+HK$7,589/mo
Deposit HK$2.99M · loan HK$26.92M · min. income ≈ HK$287,938/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,271,320 · Scale 2, in force from 26 Feb 2026)