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$68,204
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$70,326
−HK$2,155/mo
Today · 4.125%
HK$72,481
baseline
▲ 0.50% · 4.625%
HK$76,892
+HK$4,411/mo
Deposit HK$14.96M · loan HK$14.96M · min. income ≈ HK$144,962/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$1,271,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,877
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$77,912
−HK$2,064/mo
Today · 4.125%
HK$79,976
baseline
▲ 0.50% · 4.625%
HK$84,192
+HK$4,216/mo
Deposit HK$14.96M · loan HK$14.96M · min. income ≈ HK$159,952/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$1,271,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,845
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$84,391
−HK$2,587/mo
Today · 4.125%
HK$86,978
baseline
▲ 0.50% · 4.625%
HK$92,270
+HK$5,292/mo
Deposit HK$11.96M · loan HK$17.95M · min. income ≈ HK$173,956/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,271,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,052
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$93,494
−HK$2,477/mo
Today · 4.125%
HK$95,971
baseline
▲ 0.50% · 4.625%
HK$101,030
+HK$5,059/mo
Deposit HK$11.96M · loan HK$17.95M · min. income ≈ HK$191,942/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,271,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,486
−HK$5,988/mo
▼ 0.25% · 3.875%
HK$98,456
−HK$3,018/mo
Today · 4.125%
HK$101,474
baseline
▲ 0.50% · 4.625%
HK$107,649
+HK$6,175/mo
Deposit HK$8.97M · loan HK$20.94M · min. income ≈ HK$202,948/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,271,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,227
−HK$5,740/mo
▼ 0.25% · 3.875%
HK$109,076
−HK$2,891/mo
Today · 4.125%
HK$111,967
baseline
▲ 0.50% · 4.625%
HK$117,869
+HK$5,902/mo
Deposit HK$8.97M · loan HK$20.94M · min. income ≈ HK$223,934/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,271,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,768
−HK$7,699/mo
▼ 0.25% · 3.875%
HK$126,587
−HK$3,880/mo
Today · 4.125%
HK$130,467
baseline
▲ 0.50% · 4.625%
HK$138,405
+HK$7,938/mo
Deposit HK$2.99M · loan HK$26.92M · min. income ≈ HK$260,934/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,271,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,578
−HK$7,379/mo
▼ 0.25% · 3.875%
HK$140,241
−HK$3,716/mo
Today · 4.125%
HK$143,957
baseline
▲ 0.50% · 4.625%
HK$151,545
+HK$7,588/mo
Deposit HK$2.99M · loan HK$26.92M · min. income ≈ HK$287,914/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,271,212 · Scale 2, in force from 26 Feb 2026)