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$68,048
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$70,164
−HK$2,151/mo
Today · 4.125%
HK$72,315
baseline
▲ 0.50% · 4.625%
HK$76,715
+HK$4,400/mo
Deposit HK$14.92M · loan HK$14.92M · min. income ≈ HK$144,630/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,268,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,702
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$77,732
−HK$2,060/mo
Today · 4.125%
HK$79,792
baseline
▲ 0.50% · 4.625%
HK$83,998
+HK$4,206/mo
Deposit HK$14.92M · loan HK$14.92M · min. income ≈ HK$159,584/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,268,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,657
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$84,197
−HK$2,581/mo
Today · 4.125%
HK$86,778
baseline
▲ 0.50% · 4.625%
HK$92,058
+HK$5,280/mo
Deposit HK$11.94M · loan HK$17.91M · min. income ≈ HK$173,556/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,268,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,843
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$93,279
−HK$2,472/mo
Today · 4.125%
HK$95,751
baseline
▲ 0.50% · 4.625%
HK$100,798
+HK$5,047/mo
Deposit HK$11.94M · loan HK$17.91M · min. income ≈ HK$191,502/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,268,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,267
−HK$5,974/mo
▼ 0.25% · 3.875%
HK$98,230
−HK$3,011/mo
Today · 4.125%
HK$101,241
baseline
▲ 0.50% · 4.625%
HK$107,401
+HK$6,160/mo
Deposit HK$8.95M · loan HK$20.89M · min. income ≈ HK$202,482/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$1,268,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,983
−HK$5,726/mo
▼ 0.25% · 3.875%
HK$108,825
−HK$2,884/mo
Today · 4.125%
HK$111,709
baseline
▲ 0.50% · 4.625%
HK$117,597
+HK$5,888/mo
Deposit HK$8.95M · loan HK$20.89M · min. income ≈ HK$223,418/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$1,268,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,486
−HK$7,680/mo
▼ 0.25% · 3.875%
HK$126,296
−HK$3,870/mo
Today · 4.125%
HK$130,166
baseline
▲ 0.50% · 4.625%
HK$138,087
+HK$7,921/mo
Deposit HK$2.98M · loan HK$26.86M · min. income ≈ HK$260,332/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,268,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,264
−HK$7,362/mo
▼ 0.25% · 3.875%
HK$139,918
−HK$3,708/mo
Today · 4.125%
HK$143,626
baseline
▲ 0.50% · 4.625%
HK$151,197
+HK$7,571/mo
Deposit HK$2.98M · loan HK$26.86M · min. income ≈ HK$287,252/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,268,288 · Scale 2, in force from 26 Feb 2026)