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$68,016
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$70,132
−HK$2,150/mo
Today · 4.125%
HK$72,282
baseline
▲ 0.50% · 4.625%
HK$76,680
+HK$4,398/mo
Deposit HK$14.91M · loan HK$14.91M · min. income ≈ HK$144,564/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$1,267,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,668
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$77,697
−HK$2,059/mo
Today · 4.125%
HK$79,756
baseline
▲ 0.50% · 4.625%
HK$83,960
+HK$4,204/mo
Deposit HK$14.91M · loan HK$14.91M · min. income ≈ HK$159,512/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$1,267,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,620
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$84,159
−HK$2,579/mo
Today · 4.125%
HK$86,738
baseline
▲ 0.50% · 4.625%
HK$92,016
+HK$5,278/mo
Deposit HK$11.93M · loan HK$17.90M · min. income ≈ HK$173,476/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,267,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,801
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$93,236
−HK$2,471/mo
Today · 4.125%
HK$95,707
baseline
▲ 0.50% · 4.625%
HK$100,752
+HK$5,045/mo
Deposit HK$11.93M · loan HK$17.90M · min. income ≈ HK$191,414/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,267,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,223
−HK$5,971/mo
▼ 0.25% · 3.875%
HK$98,185
−HK$3,009/mo
Today · 4.125%
HK$101,194
baseline
▲ 0.50% · 4.625%
HK$107,352
+HK$6,158/mo
Deposit HK$8.95M · loan HK$20.88M · min. income ≈ HK$202,388/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$1,267,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,935
−HK$5,723/mo
▼ 0.25% · 3.875%
HK$108,776
−HK$2,882/mo
Today · 4.125%
HK$111,658
baseline
▲ 0.50% · 4.625%
HK$117,544
+HK$5,886/mo
Deposit HK$8.95M · loan HK$20.88M · min. income ≈ HK$223,316/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$1,267,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,430
−HK$7,677/mo
▼ 0.25% · 3.875%
HK$126,238
−HK$3,869/mo
Today · 4.125%
HK$130,107
baseline
▲ 0.50% · 4.625%
HK$138,024
+HK$7,917/mo
Deposit HK$2.98M · loan HK$26.85M · min. income ≈ HK$260,214/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,267,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,202
−HK$7,358/mo
▼ 0.25% · 3.875%
HK$139,855
−HK$3,705/mo
Today · 4.125%
HK$143,560
baseline
▲ 0.50% · 4.625%
HK$151,128
+HK$7,568/mo
Deposit HK$2.98M · loan HK$26.85M · min. income ≈ HK$287,120/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,267,709 · Scale 2, in force from 26 Feb 2026)