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$68,103
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$70,221
−HK$2,152/mo
Today · 4.125%
HK$72,373
baseline
▲ 0.50% · 4.625%
HK$76,777
+HK$4,404/mo
Deposit HK$14.93M · loan HK$14.93M · min. income ≈ HK$144,746/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,269,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,764
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$77,796
−HK$2,061/mo
Today · 4.125%
HK$79,857
baseline
▲ 0.50% · 4.625%
HK$84,066
+HK$4,209/mo
Deposit HK$14.93M · loan HK$14.93M · min. income ≈ HK$159,714/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,269,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,723
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$84,265
−HK$2,583/mo
Today · 4.125%
HK$86,848
baseline
▲ 0.50% · 4.625%
HK$92,133
+HK$5,285/mo
Deposit HK$11.95M · loan HK$17.92M · min. income ≈ HK$173,696/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,269,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,916
−HK$4,912/mo
▼ 0.25% · 3.875%
HK$93,355
−HK$2,473/mo
Today · 4.125%
HK$95,828
baseline
▲ 0.50% · 4.625%
HK$100,880
+HK$5,052/mo
Deposit HK$11.95M · loan HK$17.92M · min. income ≈ HK$191,656/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,269,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,344
−HK$5,979/mo
▼ 0.25% · 3.875%
HK$98,310
−HK$3,013/mo
Today · 4.125%
HK$101,323
baseline
▲ 0.50% · 4.625%
HK$107,488
+HK$6,165/mo
Deposit HK$8.96M · loan HK$20.91M · min. income ≈ HK$202,646/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$1,269,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,069
−HK$5,731/mo
▼ 0.25% · 3.875%
HK$108,914
−HK$2,886/mo
Today · 4.125%
HK$111,800
baseline
▲ 0.50% · 4.625%
HK$117,693
+HK$5,893/mo
Deposit HK$8.96M · loan HK$20.91M · min. income ≈ HK$223,600/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$1,269,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,585
−HK$7,687/mo
▼ 0.25% · 3.875%
HK$126,398
−HK$3,874/mo
Today · 4.125%
HK$130,272
baseline
▲ 0.50% · 4.625%
HK$138,199
+HK$7,927/mo
Deposit HK$2.99M · loan HK$26.88M · min. income ≈ HK$260,544/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,269,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,375
−HK$7,367/mo
▼ 0.25% · 3.875%
HK$140,032
−HK$3,710/mo
Today · 4.125%
HK$143,742
baseline
▲ 0.50% · 4.625%
HK$151,319
+HK$7,577/mo
Deposit HK$2.99M · loan HK$26.88M · min. income ≈ HK$287,484/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,269,317 · Scale 2, in force from 26 Feb 2026)