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$68,114
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$70,233
−HK$2,152/mo
Today · 4.125%
HK$72,385
baseline
▲ 0.50% · 4.625%
HK$76,790
+HK$4,405/mo
Deposit HK$14.94M · loan HK$14.94M · min. income ≈ HK$144,770/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$1,269,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,776
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$77,808
−HK$2,062/mo
Today · 4.125%
HK$79,870
baseline
▲ 0.50% · 4.625%
HK$84,080
+HK$4,210/mo
Deposit HK$14.94M · loan HK$14.94M · min. income ≈ HK$159,740/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$1,269,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,737
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$84,279
−HK$2,583/mo
Today · 4.125%
HK$86,862
baseline
▲ 0.50% · 4.625%
HK$92,148
+HK$5,286/mo
Deposit HK$11.95M · loan HK$17.92M · min. income ≈ HK$173,724/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,269,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,931
−HK$4,913/mo
▼ 0.25% · 3.875%
HK$93,370
−HK$2,474/mo
Today · 4.125%
HK$95,844
baseline
▲ 0.50% · 4.625%
HK$100,896
+HK$5,052/mo
Deposit HK$11.95M · loan HK$17.92M · min. income ≈ HK$191,688/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,269,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,359
−HK$5,980/mo
▼ 0.25% · 3.875%
HK$98,326
−HK$3,013/mo
Today · 4.125%
HK$101,339
baseline
▲ 0.50% · 4.625%
HK$107,505
+HK$6,166/mo
Deposit HK$8.96M · loan HK$20.91M · min. income ≈ HK$202,678/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$1,269,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,086
−HK$5,732/mo
▼ 0.25% · 3.875%
HK$108,931
−HK$2,887/mo
Today · 4.125%
HK$111,818
baseline
▲ 0.50% · 4.625%
HK$117,712
+HK$5,894/mo
Deposit HK$8.96M · loan HK$20.91M · min. income ≈ HK$223,636/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$1,269,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,605
−HK$7,688/mo
▼ 0.25% · 3.875%
HK$126,419
−HK$3,874/mo
Today · 4.125%
HK$130,293
baseline
▲ 0.50% · 4.625%
HK$138,221
+HK$7,928/mo
Deposit HK$2.99M · loan HK$26.88M · min. income ≈ HK$260,586/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,269,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,397
−HK$7,369/mo
▼ 0.25% · 3.875%
HK$140,055
−HK$3,711/mo
Today · 4.125%
HK$143,766
baseline
▲ 0.50% · 4.625%
HK$151,344
+HK$7,578/mo
Deposit HK$2.99M · loan HK$26.88M · min. income ≈ HK$287,532/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,269,523 · Scale 2, in force from 26 Feb 2026)