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$68,120
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$70,239
−HK$2,152/mo
Today · 4.125%
HK$72,391
baseline
▲ 0.50% · 4.625%
HK$76,796
+HK$4,405/mo
Deposit HK$14.94M · loan HK$14.94M · min. income ≈ HK$144,782/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$1,269,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,783
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$77,815
−HK$2,062/mo
Today · 4.125%
HK$79,877
baseline
▲ 0.50% · 4.625%
HK$84,087
+HK$4,210/mo
Deposit HK$14.94M · loan HK$14.94M · min. income ≈ HK$159,754/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$1,269,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,744
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$84,286
−HK$2,584/mo
Today · 4.125%
HK$86,870
baseline
▲ 0.50% · 4.625%
HK$92,156
+HK$5,286/mo
Deposit HK$11.95M · loan HK$17.92M · min. income ≈ HK$173,740/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,269,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,939
−HK$4,913/mo
▼ 0.25% · 3.875%
HK$93,378
−HK$2,474/mo
Today · 4.125%
HK$95,852
baseline
▲ 0.50% · 4.625%
HK$100,905
+HK$5,053/mo
Deposit HK$11.95M · loan HK$17.92M · min. income ≈ HK$191,704/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,269,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,368
−HK$5,980/mo
▼ 0.25% · 3.875%
HK$98,334
−HK$3,014/mo
Today · 4.125%
HK$101,348
baseline
▲ 0.50% · 4.625%
HK$107,515
+HK$6,167/mo
Deposit HK$8.96M · loan HK$20.91M · min. income ≈ HK$202,696/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$1,269,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,096
−HK$5,732/mo
▼ 0.25% · 3.875%
HK$108,941
−HK$2,887/mo
Today · 4.125%
HK$111,828
baseline
▲ 0.50% · 4.625%
HK$117,722
+HK$5,894/mo
Deposit HK$8.96M · loan HK$20.91M · min. income ≈ HK$223,656/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$1,269,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,616
−HK$7,689/mo
▼ 0.25% · 3.875%
HK$126,430
−HK$3,875/mo
Today · 4.125%
HK$130,305
baseline
▲ 0.50% · 4.625%
HK$138,233
+HK$7,928/mo
Deposit HK$2.99M · loan HK$26.89M · min. income ≈ HK$260,610/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,269,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,409
−HK$7,369/mo
▼ 0.25% · 3.875%
HK$140,067
−HK$3,711/mo
Today · 4.125%
HK$143,778
baseline
▲ 0.50% · 4.625%
HK$151,357
+HK$7,579/mo
Deposit HK$2.99M · loan HK$26.89M · min. income ≈ HK$287,556/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,269,633 · Scale 2, in force from 26 Feb 2026)