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$67,992
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$70,106
−HK$2,149/mo
Today · 4.125%
HK$72,255
baseline
▲ 0.50% · 4.625%
HK$76,652
+HK$4,397/mo
Deposit HK$14.91M · loan HK$14.91M · min. income ≈ HK$144,510/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$1,267,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,640
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$77,669
−HK$2,058/mo
Today · 4.125%
HK$79,727
baseline
▲ 0.50% · 4.625%
HK$83,929
+HK$4,202/mo
Deposit HK$14.91M · loan HK$14.91M · min. income ≈ HK$159,454/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$1,267,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,590
−HK$5,116/mo
▼ 0.25% · 3.875%
HK$84,128
−HK$2,578/mo
Today · 4.125%
HK$86,706
baseline
▲ 0.50% · 4.625%
HK$91,982
+HK$5,276/mo
Deposit HK$11.93M · loan HK$17.89M · min. income ≈ HK$173,412/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,267,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,768
−HK$4,904/mo
▼ 0.25% · 3.875%
HK$93,202
−HK$2,470/mo
Today · 4.125%
HK$95,672
baseline
▲ 0.50% · 4.625%
HK$100,715
+HK$5,043/mo
Deposit HK$11.93M · loan HK$17.89M · min. income ≈ HK$191,344/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,267,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,188
−HK$5,969/mo
▼ 0.25% · 3.875%
HK$98,149
−HK$3,008/mo
Today · 4.125%
HK$101,157
baseline
▲ 0.50% · 4.625%
HK$107,313
+HK$6,156/mo
Deposit HK$8.95M · loan HK$20.87M · min. income ≈ HK$202,314/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$1,267,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,896
−HK$5,721/mo
▼ 0.25% · 3.875%
HK$108,736
−HK$2,881/mo
Today · 4.125%
HK$111,617
baseline
▲ 0.50% · 4.625%
HK$117,501
+HK$5,884/mo
Deposit HK$8.95M · loan HK$20.87M · min. income ≈ HK$223,234/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$1,267,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,385
−HK$7,674/mo
▼ 0.25% · 3.875%
HK$126,192
−HK$3,867/mo
Today · 4.125%
HK$130,059
baseline
▲ 0.50% · 4.625%
HK$137,973
+HK$7,914/mo
Deposit HK$2.98M · loan HK$26.84M · min. income ≈ HK$260,118/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,267,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,152
−HK$7,356/mo
▼ 0.25% · 3.875%
HK$139,803
−HK$3,705/mo
Today · 4.125%
HK$143,508
baseline
▲ 0.50% · 4.625%
HK$151,072
+HK$7,564/mo
Deposit HK$2.98M · loan HK$26.84M · min. income ≈ HK$287,016/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,267,245 · Scale 2, in force from 26 Feb 2026)