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$68,178
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$70,299
−HK$2,154/mo
Today · 4.125%
HK$72,453
baseline
▲ 0.50% · 4.625%
HK$76,862
+HK$4,409/mo
Deposit HK$14.95M · loan HK$14.95M · min. income ≈ HK$144,906/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,270,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,847
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$77,881
−HK$2,064/mo
Today · 4.125%
HK$79,945
baseline
▲ 0.50% · 4.625%
HK$84,159
+HK$4,214/mo
Deposit HK$14.95M · loan HK$14.95M · min. income ≈ HK$159,890/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,270,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,814
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$84,358
−HK$2,586/mo
Today · 4.125%
HK$86,944
baseline
▲ 0.50% · 4.625%
HK$92,234
+HK$5,290/mo
Deposit HK$11.96M · loan HK$17.94M · min. income ≈ HK$173,888/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,270,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,017
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$93,458
−HK$2,476/mo
Today · 4.125%
HK$95,934
baseline
▲ 0.50% · 4.625%
HK$100,991
+HK$5,057/mo
Deposit HK$11.96M · loan HK$17.94M · min. income ≈ HK$191,868/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,270,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,449
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$98,418
−HK$3,017/mo
Today · 4.125%
HK$101,435
baseline
▲ 0.50% · 4.625%
HK$107,607
+HK$6,172/mo
Deposit HK$8.97M · loan HK$20.93M · min. income ≈ HK$202,870/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,270,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,186
−HK$5,737/mo
▼ 0.25% · 3.875%
HK$109,034
−HK$2,889/mo
Today · 4.125%
HK$111,923
baseline
▲ 0.50% · 4.625%
HK$117,823
+HK$5,900/mo
Deposit HK$8.97M · loan HK$20.93M · min. income ≈ HK$223,846/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,270,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,720
−HK$7,696/mo
▼ 0.25% · 3.875%
HK$126,538
−HK$3,878/mo
Today · 4.125%
HK$130,416
baseline
▲ 0.50% · 4.625%
HK$138,352
+HK$7,936/mo
Deposit HK$2.99M · loan HK$26.91M · min. income ≈ HK$260,832/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,270,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,525
−HK$7,376/mo
▼ 0.25% · 3.875%
HK$140,187
−HK$3,714/mo
Today · 4.125%
HK$143,901
baseline
▲ 0.50% · 4.625%
HK$151,486
+HK$7,585/mo
Deposit HK$2.99M · loan HK$26.91M · min. income ≈ HK$287,802/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,270,719 · Scale 2, in force from 26 Feb 2026)