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$68,176
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$70,297
−HK$2,155/mo
Today · 4.125%
HK$72,452
baseline
▲ 0.50% · 4.625%
HK$76,860
+HK$4,408/mo
Deposit HK$14.95M · loan HK$14.95M · min. income ≈ HK$144,904/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,270,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,845
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$77,880
−HK$2,063/mo
Today · 4.125%
HK$79,943
baseline
▲ 0.50% · 4.625%
HK$84,157
+HK$4,214/mo
Deposit HK$14.95M · loan HK$14.95M · min. income ≈ HK$159,886/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,270,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,812
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$84,356
−HK$2,586/mo
Today · 4.125%
HK$86,942
baseline
▲ 0.50% · 4.625%
HK$92,232
+HK$5,290/mo
Deposit HK$11.96M · loan HK$17.94M · min. income ≈ HK$173,884/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,270,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,015
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$93,456
−HK$2,476/mo
Today · 4.125%
HK$95,932
baseline
▲ 0.50% · 4.625%
HK$100,989
+HK$5,057/mo
Deposit HK$11.96M · loan HK$17.94M · min. income ≈ HK$191,864/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,270,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,447
−HK$5,985/mo
▼ 0.25% · 3.875%
HK$98,416
−HK$3,016/mo
Today · 4.125%
HK$101,432
baseline
▲ 0.50% · 4.625%
HK$107,604
+HK$6,172/mo
Deposit HK$8.97M · loan HK$20.93M · min. income ≈ HK$202,864/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,270,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,184
−HK$5,736/mo
▼ 0.25% · 3.875%
HK$109,031
−HK$2,889/mo
Today · 4.125%
HK$111,920
baseline
▲ 0.50% · 4.625%
HK$117,820
+HK$5,900/mo
Deposit HK$8.97M · loan HK$20.93M · min. income ≈ HK$223,840/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,270,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,717
−HK$7,696/mo
▼ 0.25% · 3.875%
HK$126,535
−HK$3,878/mo
Today · 4.125%
HK$130,413
baseline
▲ 0.50% · 4.625%
HK$138,348
+HK$7,935/mo
Deposit HK$2.99M · loan HK$26.91M · min. income ≈ HK$260,826/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,270,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,522
−HK$7,376/mo
▼ 0.25% · 3.875%
HK$140,183
−HK$3,715/mo
Today · 4.125%
HK$143,898
baseline
▲ 0.50% · 4.625%
HK$151,483
+HK$7,585/mo
Deposit HK$2.99M · loan HK$26.91M · min. income ≈ HK$287,796/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,270,688 · Scale 2, in force from 26 Feb 2026)