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$68,145
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$70,264
−HK$2,154/mo
Today · 4.125%
HK$72,418
baseline
▲ 0.50% · 4.625%
HK$76,824
+HK$4,406/mo
Deposit HK$14.94M · loan HK$14.94M · min. income ≈ HK$144,836/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$1,270,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,810
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$77,843
−HK$2,063/mo
Today · 4.125%
HK$79,906
baseline
▲ 0.50% · 4.625%
HK$84,118
+HK$4,212/mo
Deposit HK$14.94M · loan HK$14.94M · min. income ≈ HK$159,812/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$1,270,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,774
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$84,317
−HK$2,585/mo
Today · 4.125%
HK$86,902
baseline
▲ 0.50% · 4.625%
HK$92,189
+HK$5,287/mo
Deposit HK$11.95M · loan HK$17.93M · min. income ≈ HK$173,804/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,270,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,972
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$93,412
−HK$2,475/mo
Today · 4.125%
HK$95,887
baseline
▲ 0.50% · 4.625%
HK$100,942
+HK$5,055/mo
Deposit HK$11.95M · loan HK$17.93M · min. income ≈ HK$191,774/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,270,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,403
−HK$5,982/mo
▼ 0.25% · 3.875%
HK$98,370
−HK$3,015/mo
Today · 4.125%
HK$101,385
baseline
▲ 0.50% · 4.625%
HK$107,554
+HK$6,169/mo
Deposit HK$8.97M · loan HK$20.92M · min. income ≈ HK$202,770/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,270,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,134
−HK$5,734/mo
▼ 0.25% · 3.875%
HK$108,981
−HK$2,887/mo
Today · 4.125%
HK$111,868
baseline
▲ 0.50% · 4.625%
HK$117,765
+HK$5,897/mo
Deposit HK$8.97M · loan HK$20.92M · min. income ≈ HK$223,736/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,270,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,660
−HK$7,692/mo
▼ 0.25% · 3.875%
HK$126,476
−HK$3,876/mo
Today · 4.125%
HK$130,352
baseline
▲ 0.50% · 4.625%
HK$138,284
+HK$7,932/mo
Deposit HK$2.99M · loan HK$26.90M · min. income ≈ HK$260,704/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,270,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,458
−HK$7,373/mo
▼ 0.25% · 3.875%
HK$140,118
−HK$3,713/mo
Today · 4.125%
HK$143,831
baseline
▲ 0.50% · 4.625%
HK$151,412
+HK$7,581/mo
Deposit HK$2.99M · loan HK$26.90M · min. income ≈ HK$287,662/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,270,098 · Scale 2, in force from 26 Feb 2026)