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$68,148
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$70,268
−HK$2,153/mo
Today · 4.125%
HK$72,421
baseline
▲ 0.50% · 4.625%
HK$76,828
+HK$4,407/mo
Deposit HK$14.94M · loan HK$14.94M · min. income ≈ HK$144,842/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$1,270,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,814
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$77,847
−HK$2,063/mo
Today · 4.125%
HK$79,910
baseline
▲ 0.50% · 4.625%
HK$84,122
+HK$4,212/mo
Deposit HK$14.94M · loan HK$14.94M · min. income ≈ HK$159,820/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$1,270,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,778
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$84,321
−HK$2,585/mo
Today · 4.125%
HK$86,906
baseline
▲ 0.50% · 4.625%
HK$92,194
+HK$5,288/mo
Deposit HK$11.95M · loan HK$17.93M · min. income ≈ HK$173,812/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,270,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,977
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$93,417
−HK$2,475/mo
Today · 4.125%
HK$95,892
baseline
▲ 0.50% · 4.625%
HK$100,946
+HK$5,054/mo
Deposit HK$11.95M · loan HK$17.93M · min. income ≈ HK$191,784/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,270,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,407
−HK$5,983/mo
▼ 0.25% · 3.875%
HK$98,375
−HK$3,015/mo
Today · 4.125%
HK$101,390
baseline
▲ 0.50% · 4.625%
HK$107,559
+HK$6,169/mo
Deposit HK$8.97M · loan HK$20.92M · min. income ≈ HK$202,780/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,270,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,139
−HK$5,735/mo
▼ 0.25% · 3.875%
HK$108,986
−HK$2,888/mo
Today · 4.125%
HK$111,874
baseline
▲ 0.50% · 4.625%
HK$117,771
+HK$5,897/mo
Deposit HK$8.97M · loan HK$20.92M · min. income ≈ HK$223,748/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,270,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,666
−HK$7,693/mo
▼ 0.25% · 3.875%
HK$126,482
−HK$3,877/mo
Today · 4.125%
HK$130,359
baseline
▲ 0.50% · 4.625%
HK$138,291
+HK$7,932/mo
Deposit HK$2.99M · loan HK$26.90M · min. income ≈ HK$260,718/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,270,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,465
−HK$7,373/mo
▼ 0.25% · 3.875%
HK$140,125
−HK$3,713/mo
Today · 4.125%
HK$143,838
baseline
▲ 0.50% · 4.625%
HK$151,420
+HK$7,582/mo
Deposit HK$2.99M · loan HK$26.90M · min. income ≈ HK$287,676/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,270,160 · Scale 2, in force from 26 Feb 2026)