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$68,198
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$70,319
−HK$2,156/mo
Today · 4.125%
HK$72,475
baseline
▲ 0.50% · 4.625%
HK$76,884
+HK$4,409/mo
Deposit HK$14.95M · loan HK$14.95M · min. income ≈ HK$144,950/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$1,271,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,870
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$77,904
−HK$2,065/mo
Today · 4.125%
HK$79,969
baseline
▲ 0.50% · 4.625%
HK$84,184
+HK$4,215/mo
Deposit HK$14.95M · loan HK$14.95M · min. income ≈ HK$159,938/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$1,271,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,838
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$84,383
−HK$2,586/mo
Today · 4.125%
HK$86,969
baseline
▲ 0.50% · 4.625%
HK$92,261
+HK$5,292/mo
Deposit HK$11.96M · loan HK$17.94M · min. income ≈ HK$173,938/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,271,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,043
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$93,485
−HK$2,477/mo
Today · 4.125%
HK$95,962
baseline
▲ 0.50% · 4.625%
HK$101,021
+HK$5,059/mo
Deposit HK$11.96M · loan HK$17.94M · min. income ≈ HK$191,924/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,271,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,477
−HK$5,987/mo
▼ 0.25% · 3.875%
HK$98,447
−HK$3,017/mo
Today · 4.125%
HK$101,464
baseline
▲ 0.50% · 4.625%
HK$107,638
+HK$6,174/mo
Deposit HK$8.97M · loan HK$20.94M · min. income ≈ HK$202,928/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,271,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,217
−HK$5,739/mo
▼ 0.25% · 3.875%
HK$109,066
−HK$2,890/mo
Today · 4.125%
HK$111,956
baseline
▲ 0.50% · 4.625%
HK$117,857
+HK$5,901/mo
Deposit HK$8.97M · loan HK$20.94M · min. income ≈ HK$223,912/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,271,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,756
−HK$7,698/mo
▼ 0.25% · 3.875%
HK$126,575
−HK$3,879/mo
Today · 4.125%
HK$130,454
baseline
▲ 0.50% · 4.625%
HK$138,392
+HK$7,938/mo
Deposit HK$2.99M · loan HK$26.92M · min. income ≈ HK$260,908/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,271,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,565
−HK$7,378/mo
▼ 0.25% · 3.875%
HK$140,228
−HK$3,715/mo
Today · 4.125%
HK$143,943
baseline
▲ 0.50% · 4.625%
HK$151,531
+HK$7,588/mo
Deposit HK$2.99M · loan HK$26.92M · min. income ≈ HK$287,886/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,271,091 · Scale 2, in force from 26 Feb 2026)