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$68,089
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$70,207
−HK$2,152/mo
Today · 4.125%
HK$72,359
baseline
▲ 0.50% · 4.625%
HK$76,762
+HK$4,403/mo
Deposit HK$14.93M · loan HK$14.93M · min. income ≈ HK$144,718/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,269,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,748
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$77,780
−HK$2,061/mo
Today · 4.125%
HK$79,841
baseline
▲ 0.50% · 4.625%
HK$84,049
+HK$4,208/mo
Deposit HK$14.93M · loan HK$14.93M · min. income ≈ HK$159,682/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,269,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,707
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$84,248
−HK$2,582/mo
Today · 4.125%
HK$86,830
baseline
▲ 0.50% · 4.625%
HK$92,114
+HK$5,284/mo
Deposit HK$11.94M · loan HK$17.92M · min. income ≈ HK$173,660/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,269,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,898
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$93,336
−HK$2,473/mo
Today · 4.125%
HK$95,809
baseline
▲ 0.50% · 4.625%
HK$100,859
+HK$5,050/mo
Deposit HK$11.94M · loan HK$17.92M · min. income ≈ HK$191,618/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,269,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,324
−HK$5,978/mo
▼ 0.25% · 3.875%
HK$98,290
−HK$3,012/mo
Today · 4.125%
HK$101,302
baseline
▲ 0.50% · 4.625%
HK$107,466
+HK$6,164/mo
Deposit HK$8.96M · loan HK$20.90M · min. income ≈ HK$202,604/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$1,269,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,048
−HK$5,729/mo
▼ 0.25% · 3.875%
HK$108,892
−HK$2,885/mo
Today · 4.125%
HK$111,777
baseline
▲ 0.50% · 4.625%
HK$117,669
+HK$5,892/mo
Deposit HK$8.96M · loan HK$20.90M · min. income ≈ HK$223,554/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$1,269,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,560
−HK$7,686/mo
▼ 0.25% · 3.875%
HK$126,372
−HK$3,874/mo
Today · 4.125%
HK$130,246
baseline
▲ 0.50% · 4.625%
HK$138,171
+HK$7,925/mo
Deposit HK$2.99M · loan HK$26.87M · min. income ≈ HK$260,492/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,269,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,347
−HK$7,366/mo
▼ 0.25% · 3.875%
HK$140,004
−HK$3,709/mo
Today · 4.125%
HK$143,713
baseline
▲ 0.50% · 4.625%
HK$151,289
+HK$7,576/mo
Deposit HK$2.99M · loan HK$26.87M · min. income ≈ HK$287,426/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,269,059 · Scale 2, in force from 26 Feb 2026)