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$67,839
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$69,949
−HK$2,144/mo
Today · 4.125%
HK$72,093
baseline
▲ 0.50% · 4.625%
HK$76,479
+HK$4,386/mo
Deposit HK$14.88M · loan HK$14.88M · min. income ≈ HK$144,186/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,264,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,470
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$77,494
−HK$2,053/mo
Today · 4.125%
HK$79,547
baseline
▲ 0.50% · 4.625%
HK$83,740
+HK$4,193/mo
Deposit HK$14.88M · loan HK$14.88M · min. income ≈ HK$159,094/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,264,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,406
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$83,938
−HK$2,573/mo
Today · 4.125%
HK$86,511
baseline
▲ 0.50% · 4.625%
HK$91,775
+HK$5,264/mo
Deposit HK$11.90M · loan HK$17.85M · min. income ≈ HK$173,022/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,264,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,564
−HK$4,893/mo
▼ 0.25% · 3.875%
HK$92,993
−HK$2,464/mo
Today · 4.125%
HK$95,457
baseline
▲ 0.50% · 4.625%
HK$100,488
+HK$5,031/mo
Deposit HK$11.90M · loan HK$17.85M · min. income ≈ HK$190,914/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,264,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,974
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$97,928
−HK$3,002/mo
Today · 4.125%
HK$100,930
baseline
▲ 0.50% · 4.625%
HK$107,071
+HK$6,141/mo
Deposit HK$8.93M · loan HK$20.83M · min. income ≈ HK$201,860/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,264,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,658
−HK$5,708/mo
▼ 0.25% · 3.875%
HK$108,491
−HK$2,875/mo
Today · 4.125%
HK$111,366
baseline
▲ 0.50% · 4.625%
HK$117,236
+HK$5,870/mo
Deposit HK$8.93M · loan HK$20.83M · min. income ≈ HK$222,732/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,264,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,109
−HK$7,658/mo
▼ 0.25% · 3.875%
HK$125,908
−HK$3,859/mo
Today · 4.125%
HK$129,767
baseline
▲ 0.50% · 4.625%
HK$137,663
+HK$7,896/mo
Deposit HK$2.98M · loan HK$26.78M · min. income ≈ HK$259,534/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,264,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,845
−HK$7,340/mo
▼ 0.25% · 3.875%
HK$139,489
−HK$3,696/mo
Today · 4.125%
HK$143,185
baseline
▲ 0.50% · 4.625%
HK$150,732
+HK$7,547/mo
Deposit HK$2.98M · loan HK$26.78M · min. income ≈ HK$286,370/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,264,393 · Scale 2, in force from 26 Feb 2026)