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$67,978
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$70,092
−HK$2,148/mo
Today · 4.125%
HK$72,240
baseline
▲ 0.50% · 4.625%
HK$76,636
+HK$4,396/mo
Deposit HK$14.91M · loan HK$14.91M · min. income ≈ HK$144,480/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,266,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,624
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$77,653
−HK$2,057/mo
Today · 4.125%
HK$79,710
baseline
▲ 0.50% · 4.625%
HK$83,912
+HK$4,202/mo
Deposit HK$14.91M · loan HK$14.91M · min. income ≈ HK$159,420/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,266,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,573
−HK$5,115/mo
▼ 0.25% · 3.875%
HK$84,110
−HK$2,578/mo
Today · 4.125%
HK$86,688
baseline
▲ 0.50% · 4.625%
HK$91,963
+HK$5,275/mo
Deposit HK$11.92M · loan HK$17.89M · min. income ≈ HK$173,376/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,266,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,749
−HK$4,903/mo
▼ 0.25% · 3.875%
HK$93,183
−HK$2,469/mo
Today · 4.125%
HK$95,652
baseline
▲ 0.50% · 4.625%
HK$100,694
+HK$5,042/mo
Deposit HK$11.92M · loan HK$17.89M · min. income ≈ HK$191,304/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,266,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,169
−HK$5,968/mo
▼ 0.25% · 3.875%
HK$98,129
−HK$3,008/mo
Today · 4.125%
HK$101,137
baseline
▲ 0.50% · 4.625%
HK$107,290
+HK$6,153/mo
Deposit HK$8.94M · loan HK$20.87M · min. income ≈ HK$202,274/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$1,266,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,874
−HK$5,720/mo
▼ 0.25% · 3.875%
HK$108,714
−HK$2,880/mo
Today · 4.125%
HK$111,594
baseline
▲ 0.50% · 4.625%
HK$117,476
+HK$5,882/mo
Deposit HK$8.94M · loan HK$20.87M · min. income ≈ HK$223,188/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$1,266,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,360
−HK$7,673/mo
▼ 0.25% · 3.875%
HK$126,166
−HK$3,867/mo
Today · 4.125%
HK$130,033
baseline
▲ 0.50% · 4.625%
HK$137,945
+HK$7,912/mo
Deposit HK$2.98M · loan HK$26.83M · min. income ≈ HK$260,066/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,266,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,124
−HK$7,354/mo
▼ 0.25% · 3.875%
HK$139,775
−HK$3,703/mo
Today · 4.125%
HK$143,478
baseline
▲ 0.50% · 4.625%
HK$151,041
+HK$7,563/mo
Deposit HK$2.98M · loan HK$26.83M · min. income ≈ HK$286,956/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,266,984 · Scale 2, in force from 26 Feb 2026)