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$68,112
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$70,231
−HK$2,152/mo
Today · 4.125%
HK$72,383
baseline
▲ 0.50% · 4.625%
HK$76,788
+HK$4,405/mo
Deposit HK$14.94M · loan HK$14.94M · min. income ≈ HK$144,766/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,269,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,774
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$77,806
−HK$2,062/mo
Today · 4.125%
HK$79,868
baseline
▲ 0.50% · 4.625%
HK$84,078
+HK$4,210/mo
Deposit HK$14.94M · loan HK$14.94M · min. income ≈ HK$159,736/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,269,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,735
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$84,277
−HK$2,583/mo
Today · 4.125%
HK$86,860
baseline
▲ 0.50% · 4.625%
HK$92,145
+HK$5,285/mo
Deposit HK$11.95M · loan HK$17.92M · min. income ≈ HK$173,720/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,269,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,929
−HK$4,913/mo
▼ 0.25% · 3.875%
HK$93,368
−HK$2,474/mo
Today · 4.125%
HK$95,842
baseline
▲ 0.50% · 4.625%
HK$100,894
+HK$5,052/mo
Deposit HK$11.95M · loan HK$17.92M · min. income ≈ HK$191,684/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,269,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,357
−HK$5,980/mo
▼ 0.25% · 3.875%
HK$98,323
−HK$3,014/mo
Today · 4.125%
HK$101,337
baseline
▲ 0.50% · 4.625%
HK$107,503
+HK$6,166/mo
Deposit HK$8.96M · loan HK$20.91M · min. income ≈ HK$202,674/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$1,269,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,084
−HK$5,731/mo
▼ 0.25% · 3.875%
HK$108,929
−HK$2,886/mo
Today · 4.125%
HK$111,815
baseline
▲ 0.50% · 4.625%
HK$117,709
+HK$5,894/mo
Deposit HK$8.96M · loan HK$20.91M · min. income ≈ HK$223,630/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$1,269,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,602
−HK$7,688/mo
▼ 0.25% · 3.875%
HK$126,416
−HK$3,874/mo
Today · 4.125%
HK$130,290
baseline
▲ 0.50% · 4.625%
HK$138,218
+HK$7,928/mo
Deposit HK$2.99M · loan HK$26.88M · min. income ≈ HK$260,580/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,269,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,393
−HK$7,369/mo
▼ 0.25% · 3.875%
HK$140,051
−HK$3,711/mo
Today · 4.125%
HK$143,762
baseline
▲ 0.50% · 4.625%
HK$151,340
+HK$7,578/mo
Deposit HK$2.99M · loan HK$26.88M · min. income ≈ HK$287,524/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,269,493 · Scale 2, in force from 26 Feb 2026)