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$67,893
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$70,005
−HK$2,145/mo
Today · 4.125%
HK$72,150
baseline
▲ 0.50% · 4.625%
HK$76,540
+HK$4,390/mo
Deposit HK$14.89M · loan HK$14.89M · min. income ≈ HK$144,300/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,265,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,530
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$77,556
−HK$2,055/mo
Today · 4.125%
HK$79,611
baseline
▲ 0.50% · 4.625%
HK$83,807
+HK$4,196/mo
Deposit HK$14.89M · loan HK$14.89M · min. income ≈ HK$159,222/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,265,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,471
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$84,005
−HK$2,575/mo
Today · 4.125%
HK$86,580
baseline
▲ 0.50% · 4.625%
HK$91,848
+HK$5,268/mo
Deposit HK$11.91M · loan HK$17.86M · min. income ≈ HK$173,160/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,265,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,636
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$93,067
−HK$2,466/mo
Today · 4.125%
HK$95,533
baseline
▲ 0.50% · 4.625%
HK$100,568
+HK$5,035/mo
Deposit HK$11.91M · loan HK$17.86M · min. income ≈ HK$191,066/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,265,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,050
−HK$5,960/mo
▼ 0.25% · 3.875%
HK$98,006
−HK$3,004/mo
Today · 4.125%
HK$101,010
baseline
▲ 0.50% · 4.625%
HK$107,156
+HK$6,146/mo
Deposit HK$8.93M · loan HK$20.84M · min. income ≈ HK$202,020/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,265,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,742
−HK$5,713/mo
▼ 0.25% · 3.875%
HK$108,578
−HK$2,877/mo
Today · 4.125%
HK$111,455
baseline
▲ 0.50% · 4.625%
HK$117,330
+HK$5,875/mo
Deposit HK$8.93M · loan HK$20.84M · min. income ≈ HK$222,910/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,265,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,207
−HK$7,663/mo
▼ 0.25% · 3.875%
HK$126,008
−HK$3,862/mo
Today · 4.125%
HK$129,870
baseline
▲ 0.50% · 4.625%
HK$137,773
+HK$7,903/mo
Deposit HK$2.98M · loan HK$26.80M · min. income ≈ HK$259,740/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,265,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,954
−HK$7,345/mo
▼ 0.25% · 3.875%
HK$139,600
−HK$3,699/mo
Today · 4.125%
HK$143,299
baseline
▲ 0.50% · 4.625%
HK$150,852
+HK$7,553/mo
Deposit HK$2.98M · loan HK$26.80M · min. income ≈ HK$286,598/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,265,401 · Scale 2, in force from 26 Feb 2026)