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$68,121
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$70,240
−HK$2,153/mo
Today · 4.125%
HK$72,393
baseline
▲ 0.50% · 4.625%
HK$76,798
+HK$4,405/mo
Deposit HK$14.94M · loan HK$14.94M · min. income ≈ HK$144,786/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$1,269,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,784
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$77,817
−HK$2,062/mo
Today · 4.125%
HK$79,879
baseline
▲ 0.50% · 4.625%
HK$84,089
+HK$4,210/mo
Deposit HK$14.94M · loan HK$14.94M · min. income ≈ HK$159,758/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$1,269,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,746
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$84,288
−HK$2,584/mo
Today · 4.125%
HK$86,872
baseline
▲ 0.50% · 4.625%
HK$92,158
+HK$5,286/mo
Deposit HK$11.95M · loan HK$17.92M · min. income ≈ HK$173,744/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,269,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,941
−HK$4,913/mo
▼ 0.25% · 3.875%
HK$93,380
−HK$2,474/mo
Today · 4.125%
HK$95,854
baseline
▲ 0.50% · 4.625%
HK$100,907
+HK$5,053/mo
Deposit HK$11.95M · loan HK$17.92M · min. income ≈ HK$191,708/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,269,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,370
−HK$5,980/mo
▼ 0.25% · 3.875%
HK$98,336
−HK$3,014/mo
Today · 4.125%
HK$101,350
baseline
▲ 0.50% · 4.625%
HK$107,517
+HK$6,167/mo
Deposit HK$8.96M · loan HK$20.91M · min. income ≈ HK$202,700/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$1,269,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,098
−HK$5,732/mo
▼ 0.25% · 3.875%
HK$108,943
−HK$2,887/mo
Today · 4.125%
HK$111,830
baseline
▲ 0.50% · 4.625%
HK$117,725
+HK$5,895/mo
Deposit HK$8.96M · loan HK$20.91M · min. income ≈ HK$223,660/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$1,269,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,618
−HK$7,690/mo
▼ 0.25% · 3.875%
HK$126,432
−HK$3,876/mo
Today · 4.125%
HK$130,308
baseline
▲ 0.50% · 4.625%
HK$138,236
+HK$7,928/mo
Deposit HK$2.99M · loan HK$26.89M · min. income ≈ HK$260,616/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,269,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,412
−HK$7,370/mo
▼ 0.25% · 3.875%
HK$140,070
−HK$3,712/mo
Today · 4.125%
HK$143,782
baseline
▲ 0.50% · 4.625%
HK$151,360
+HK$7,578/mo
Deposit HK$2.99M · loan HK$26.89M · min. income ≈ HK$287,564/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,269,662 · Scale 2, in force from 26 Feb 2026)