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$67,913
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$70,026
−HK$2,146/mo
Today · 4.125%
HK$72,172
baseline
▲ 0.50% · 4.625%
HK$76,564
+HK$4,392/mo
Deposit HK$14.89M · loan HK$14.89M · min. income ≈ HK$144,344/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,265,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,553
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$77,579
−HK$2,056/mo
Today · 4.125%
HK$79,635
baseline
▲ 0.50% · 4.625%
HK$83,832
+HK$4,197/mo
Deposit HK$14.89M · loan HK$14.89M · min. income ≈ HK$159,270/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,265,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,496
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$84,031
−HK$2,576/mo
Today · 4.125%
HK$86,607
baseline
▲ 0.50% · 4.625%
HK$91,876
+HK$5,269/mo
Deposit HK$11.91M · loan HK$17.87M · min. income ≈ HK$173,214/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,265,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,663
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$93,095
−HK$2,467/mo
Today · 4.125%
HK$95,562
baseline
▲ 0.50% · 4.625%
HK$100,599
+HK$5,037/mo
Deposit HK$11.91M · loan HK$17.87M · min. income ≈ HK$191,124/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,265,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,079
−HK$5,962/mo
▼ 0.25% · 3.875%
HK$98,036
−HK$3,005/mo
Today · 4.125%
HK$101,041
baseline
▲ 0.50% · 4.625%
HK$107,189
+HK$6,148/mo
Deposit HK$8.93M · loan HK$20.85M · min. income ≈ HK$202,082/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,265,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,774
−HK$5,715/mo
▼ 0.25% · 3.875%
HK$108,611
−HK$2,878/mo
Today · 4.125%
HK$111,489
baseline
▲ 0.50% · 4.625%
HK$117,365
+HK$5,876/mo
Deposit HK$8.93M · loan HK$20.85M · min. income ≈ HK$222,978/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,265,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,244
−HK$7,666/mo
▼ 0.25% · 3.875%
HK$126,046
−HK$3,864/mo
Today · 4.125%
HK$129,910
baseline
▲ 0.50% · 4.625%
HK$137,814
+HK$7,904/mo
Deposit HK$2.98M · loan HK$26.80M · min. income ≈ HK$259,820/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,265,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,995
−HK$7,348/mo
▼ 0.25% · 3.875%
HK$139,643
−HK$3,700/mo
Today · 4.125%
HK$143,343
baseline
▲ 0.50% · 4.625%
HK$150,898
+HK$7,555/mo
Deposit HK$2.98M · loan HK$26.80M · min. income ≈ HK$286,686/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,265,786 · Scale 2, in force from 26 Feb 2026)