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$68,132
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$70,251
−HK$2,153/mo
Today · 4.125%
HK$72,404
baseline
▲ 0.50% · 4.625%
HK$76,810
+HK$4,406/mo
Deposit HK$14.94M · loan HK$14.94M · min. income ≈ HK$144,808/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$1,269,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,796
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$77,829
−HK$2,062/mo
Today · 4.125%
HK$79,891
baseline
▲ 0.50% · 4.625%
HK$84,102
+HK$4,211/mo
Deposit HK$14.94M · loan HK$14.94M · min. income ≈ HK$159,782/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$1,269,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,758
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$84,302
−HK$2,583/mo
Today · 4.125%
HK$86,885
baseline
▲ 0.50% · 4.625%
HK$92,172
+HK$5,287/mo
Deposit HK$11.95M · loan HK$17.93M · min. income ≈ HK$173,770/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,269,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,955
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$93,395
−HK$2,474/mo
Today · 4.125%
HK$95,869
baseline
▲ 0.50% · 4.625%
HK$100,923
+HK$5,054/mo
Deposit HK$11.95M · loan HK$17.93M · min. income ≈ HK$191,738/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,269,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,385
−HK$5,981/mo
▼ 0.25% · 3.875%
HK$98,352
−HK$3,014/mo
Today · 4.125%
HK$101,366
baseline
▲ 0.50% · 4.625%
HK$107,534
+HK$6,168/mo
Deposit HK$8.96M · loan HK$20.92M · min. income ≈ HK$202,732/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$1,269,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,115
−HK$5,733/mo
▼ 0.25% · 3.875%
HK$108,961
−HK$2,887/mo
Today · 4.125%
HK$111,848
baseline
▲ 0.50% · 4.625%
HK$117,743
+HK$5,895/mo
Deposit HK$8.96M · loan HK$20.92M · min. income ≈ HK$223,696/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$1,269,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,638
−HK$7,690/mo
▼ 0.25% · 3.875%
HK$126,452
−HK$3,876/mo
Today · 4.125%
HK$130,328
baseline
▲ 0.50% · 4.625%
HK$138,258
+HK$7,930/mo
Deposit HK$2.99M · loan HK$26.89M · min. income ≈ HK$260,656/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,269,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,433
−HK$7,371/mo
▼ 0.25% · 3.875%
HK$140,092
−HK$3,712/mo
Today · 4.125%
HK$143,804
baseline
▲ 0.50% · 4.625%
HK$151,384
+HK$7,580/mo
Deposit HK$2.99M · loan HK$26.89M · min. income ≈ HK$287,608/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,269,862 · Scale 2, in force from 26 Feb 2026)