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$68,142
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$70,261
−HK$2,154/mo
Today · 4.125%
HK$72,415
baseline
▲ 0.50% · 4.625%
HK$76,821
+HK$4,406/mo
Deposit HK$14.94M · loan HK$14.94M · min. income ≈ HK$144,830/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$1,270,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,807
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$77,840
−HK$2,063/mo
Today · 4.125%
HK$79,903
baseline
▲ 0.50% · 4.625%
HK$84,114
+HK$4,211/mo
Deposit HK$14.94M · loan HK$14.94M · min. income ≈ HK$159,806/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$1,270,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,770
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$84,314
−HK$2,584/mo
Today · 4.125%
HK$86,898
baseline
▲ 0.50% · 4.625%
HK$92,185
+HK$5,287/mo
Deposit HK$11.95M · loan HK$17.93M · min. income ≈ HK$173,796/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,270,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,968
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$93,408
−HK$2,475/mo
Today · 4.125%
HK$95,883
baseline
▲ 0.50% · 4.625%
HK$100,937
+HK$5,054/mo
Deposit HK$11.95M · loan HK$17.93M · min. income ≈ HK$191,766/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,270,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,398
−HK$5,983/mo
▼ 0.25% · 3.875%
HK$98,366
−HK$3,015/mo
Today · 4.125%
HK$101,381
baseline
▲ 0.50% · 4.625%
HK$107,550
+HK$6,169/mo
Deposit HK$8.97M · loan HK$20.92M · min. income ≈ HK$202,762/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,270,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,130
−HK$5,734/mo
▼ 0.25% · 3.875%
HK$108,976
−HK$2,888/mo
Today · 4.125%
HK$111,864
baseline
▲ 0.50% · 4.625%
HK$117,760
+HK$5,896/mo
Deposit HK$8.97M · loan HK$20.92M · min. income ≈ HK$223,728/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,270,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,655
−HK$7,692/mo
▼ 0.25% · 3.875%
HK$126,470
−HK$3,877/mo
Today · 4.125%
HK$130,347
baseline
▲ 0.50% · 4.625%
HK$138,278
+HK$7,931/mo
Deposit HK$2.99M · loan HK$26.90M · min. income ≈ HK$260,694/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,270,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,453
−HK$7,372/mo
▼ 0.25% · 3.875%
HK$140,112
−HK$3,713/mo
Today · 4.125%
HK$143,825
baseline
▲ 0.50% · 4.625%
HK$151,406
+HK$7,581/mo
Deposit HK$2.99M · loan HK$26.90M · min. income ≈ HK$287,650/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,270,044 · Scale 2, in force from 26 Feb 2026)