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$67,841
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$69,952
−HK$2,144/mo
Today · 4.125%
HK$72,096
baseline
▲ 0.50% · 4.625%
HK$76,482
+HK$4,386/mo
Deposit HK$14.88M · loan HK$14.88M · min. income ≈ HK$144,192/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,264,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,473
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$77,497
−HK$2,053/mo
Today · 4.125%
HK$79,550
baseline
▲ 0.50% · 4.625%
HK$83,744
+HK$4,194/mo
Deposit HK$14.88M · loan HK$14.88M · min. income ≈ HK$159,100/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,264,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,410
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$83,942
−HK$2,573/mo
Today · 4.125%
HK$86,515
baseline
▲ 0.50% · 4.625%
HK$91,779
+HK$5,264/mo
Deposit HK$11.90M · loan HK$17.85M · min. income ≈ HK$173,030/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,264,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,567
−HK$4,893/mo
▼ 0.25% · 3.875%
HK$92,996
−HK$2,464/mo
Today · 4.125%
HK$95,460
baseline
▲ 0.50% · 4.625%
HK$100,492
+HK$5,032/mo
Deposit HK$11.90M · loan HK$17.85M · min. income ≈ HK$190,920/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,264,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,978
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$97,932
−HK$3,002/mo
Today · 4.125%
HK$100,934
baseline
▲ 0.50% · 4.625%
HK$107,075
+HK$6,141/mo
Deposit HK$8.93M · loan HK$20.83M · min. income ≈ HK$201,868/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,264,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,662
−HK$5,709/mo
▼ 0.25% · 3.875%
HK$108,496
−HK$2,875/mo
Today · 4.125%
HK$111,371
baseline
▲ 0.50% · 4.625%
HK$117,241
+HK$5,870/mo
Deposit HK$8.93M · loan HK$20.83M · min. income ≈ HK$222,742/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,264,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,114
−HK$7,658/mo
▼ 0.25% · 3.875%
HK$125,913
−HK$3,859/mo
Today · 4.125%
HK$129,772
baseline
▲ 0.50% · 4.625%
HK$137,668
+HK$7,896/mo
Deposit HK$2.98M · loan HK$26.78M · min. income ≈ HK$259,544/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,264,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,851
−HK$7,340/mo
▼ 0.25% · 3.875%
HK$139,495
−HK$3,696/mo
Today · 4.125%
HK$143,191
baseline
▲ 0.50% · 4.625%
HK$150,738
+HK$7,547/mo
Deposit HK$2.98M · loan HK$26.78M · min. income ≈ HK$286,382/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,264,445 · Scale 2, in force from 26 Feb 2026)