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$68,162
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$70,283
−HK$2,154/mo
Today · 4.125%
HK$72,437
baseline
▲ 0.50% · 4.625%
HK$76,844
+HK$4,407/mo
Deposit HK$14.95M · loan HK$14.95M · min. income ≈ HK$144,874/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,270,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,830
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$77,864
−HK$2,063/mo
Today · 4.125%
HK$79,927
baseline
▲ 0.50% · 4.625%
HK$84,140
+HK$4,213/mo
Deposit HK$14.95M · loan HK$14.95M · min. income ≈ HK$159,854/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,270,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,795
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$84,339
−HK$2,585/mo
Today · 4.125%
HK$86,924
baseline
▲ 0.50% · 4.625%
HK$92,213
+HK$5,289/mo
Deposit HK$11.96M · loan HK$17.94M · min. income ≈ HK$173,848/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,270,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,996
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$93,436
−HK$2,476/mo
Today · 4.125%
HK$95,912
baseline
▲ 0.50% · 4.625%
HK$100,968
+HK$5,056/mo
Deposit HK$11.96M · loan HK$17.94M · min. income ≈ HK$191,824/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,270,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,427
−HK$5,984/mo
▼ 0.25% · 3.875%
HK$98,396
−HK$3,015/mo
Today · 4.125%
HK$101,411
baseline
▲ 0.50% · 4.625%
HK$107,582
+HK$6,171/mo
Deposit HK$8.97M · loan HK$20.92M · min. income ≈ HK$202,822/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,270,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,162
−HK$5,736/mo
▼ 0.25% · 3.875%
HK$109,009
−HK$2,889/mo
Today · 4.125%
HK$111,898
baseline
▲ 0.50% · 4.625%
HK$117,796
+HK$5,898/mo
Deposit HK$8.97M · loan HK$20.92M · min. income ≈ HK$223,796/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,270,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,692
−HK$7,694/mo
▼ 0.25% · 3.875%
HK$126,509
−HK$3,877/mo
Today · 4.125%
HK$130,386
baseline
▲ 0.50% · 4.625%
HK$138,320
+HK$7,934/mo
Deposit HK$2.99M · loan HK$26.90M · min. income ≈ HK$260,772/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,270,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,494
−HK$7,374/mo
▼ 0.25% · 3.875%
HK$140,155
−HK$3,713/mo
Today · 4.125%
HK$143,868
baseline
▲ 0.50% · 4.625%
HK$151,452
+HK$7,584/mo
Deposit HK$2.99M · loan HK$26.90M · min. income ≈ HK$287,736/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,270,428 · Scale 2, in force from 26 Feb 2026)