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$68,180
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$70,301
−HK$2,155/mo
Today · 4.125%
HK$72,456
baseline
▲ 0.50% · 4.625%
HK$76,865
+HK$4,409/mo
Deposit HK$14.95M · loan HK$14.95M · min. income ≈ HK$144,912/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,270,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,850
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$77,884
−HK$2,064/mo
Today · 4.125%
HK$79,948
baseline
▲ 0.50% · 4.625%
HK$84,162
+HK$4,214/mo
Deposit HK$14.95M · loan HK$14.95M · min. income ≈ HK$159,896/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,270,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,816
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$84,361
−HK$2,586/mo
Today · 4.125%
HK$86,947
baseline
▲ 0.50% · 4.625%
HK$92,238
+HK$5,291/mo
Deposit HK$11.96M · loan HK$17.94M · min. income ≈ HK$173,894/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,270,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,020
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$93,461
−HK$2,477/mo
Today · 4.125%
HK$95,938
baseline
▲ 0.50% · 4.625%
HK$100,995
+HK$5,057/mo
Deposit HK$11.96M · loan HK$17.94M · min. income ≈ HK$191,876/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,270,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,453
−HK$5,985/mo
▼ 0.25% · 3.875%
HK$98,422
−HK$3,016/mo
Today · 4.125%
HK$101,438
baseline
▲ 0.50% · 4.625%
HK$107,611
+HK$6,173/mo
Deposit HK$8.97M · loan HK$20.93M · min. income ≈ HK$202,876/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,270,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,190
−HK$5,737/mo
▼ 0.25% · 3.875%
HK$109,038
−HK$2,889/mo
Today · 4.125%
HK$111,927
baseline
▲ 0.50% · 4.625%
HK$117,827
+HK$5,900/mo
Deposit HK$8.97M · loan HK$20.93M · min. income ≈ HK$223,854/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,270,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,725
−HK$7,696/mo
▼ 0.25% · 3.875%
HK$126,542
−HK$3,879/mo
Today · 4.125%
HK$130,421
baseline
▲ 0.50% · 4.625%
HK$138,356
+HK$7,935/mo
Deposit HK$2.99M · loan HK$26.91M · min. income ≈ HK$260,842/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,270,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,530
−HK$7,376/mo
▼ 0.25% · 3.875%
HK$140,192
−HK$3,714/mo
Today · 4.125%
HK$143,906
baseline
▲ 0.50% · 4.625%
HK$151,492
+HK$7,586/mo
Deposit HK$2.99M · loan HK$26.91M · min. income ≈ HK$287,812/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,270,764 · Scale 2, in force from 26 Feb 2026)