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$68,009
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$70,125
−HK$2,149/mo
Today · 4.125%
HK$72,274
baseline
▲ 0.50% · 4.625%
HK$76,672
+HK$4,398/mo
Deposit HK$14.91M · loan HK$14.91M · min. income ≈ HK$144,548/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$1,267,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,660
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$77,689
−HK$2,058/mo
Today · 4.125%
HK$79,747
baseline
▲ 0.50% · 4.625%
HK$83,951
+HK$4,204/mo
Deposit HK$14.91M · loan HK$14.91M · min. income ≈ HK$159,494/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$1,267,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,611
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$84,150
−HK$2,579/mo
Today · 4.125%
HK$86,729
baseline
▲ 0.50% · 4.625%
HK$92,006
+HK$5,277/mo
Deposit HK$11.93M · loan HK$17.90M · min. income ≈ HK$173,458/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,267,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,792
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$93,227
−HK$2,470/mo
Today · 4.125%
HK$95,697
baseline
▲ 0.50% · 4.625%
HK$100,741
+HK$5,044/mo
Deposit HK$11.93M · loan HK$17.90M · min. income ≈ HK$191,394/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,267,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,213
−HK$5,971/mo
▼ 0.25% · 3.875%
HK$98,175
−HK$3,009/mo
Today · 4.125%
HK$101,184
baseline
▲ 0.50% · 4.625%
HK$107,341
+HK$6,157/mo
Deposit HK$8.95M · loan HK$20.88M · min. income ≈ HK$202,368/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$1,267,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,924
−HK$5,722/mo
▼ 0.25% · 3.875%
HK$108,765
−HK$2,881/mo
Today · 4.125%
HK$111,646
baseline
▲ 0.50% · 4.625%
HK$117,532
+HK$5,886/mo
Deposit HK$8.95M · loan HK$20.88M · min. income ≈ HK$223,292/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$1,267,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,417
−HK$7,677/mo
▼ 0.25% · 3.875%
HK$126,225
−HK$3,869/mo
Today · 4.125%
HK$130,094
baseline
▲ 0.50% · 4.625%
HK$138,009
+HK$7,915/mo
Deposit HK$2.98M · loan HK$26.84M · min. income ≈ HK$260,188/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,267,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,188
−HK$7,357/mo
▼ 0.25% · 3.875%
HK$139,840
−HK$3,705/mo
Today · 4.125%
HK$143,545
baseline
▲ 0.50% · 4.625%
HK$151,112
+HK$7,567/mo
Deposit HK$2.98M · loan HK$26.84M · min. income ≈ HK$287,090/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,267,578 · Scale 2, in force from 26 Feb 2026)