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$67,976
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$70,090
−HK$2,148/mo
Today · 4.125%
HK$72,238
baseline
▲ 0.50% · 4.625%
HK$76,634
+HK$4,396/mo
Deposit HK$14.91M · loan HK$14.91M · min. income ≈ HK$144,476/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,266,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,622
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$77,650
−HK$2,058/mo
Today · 4.125%
HK$79,708
baseline
▲ 0.50% · 4.625%
HK$83,909
+HK$4,201/mo
Deposit HK$14.91M · loan HK$14.91M · min. income ≈ HK$159,416/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,266,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,571
−HK$5,115/mo
▼ 0.25% · 3.875%
HK$84,108
−HK$2,578/mo
Today · 4.125%
HK$86,686
baseline
▲ 0.50% · 4.625%
HK$91,960
+HK$5,274/mo
Deposit HK$11.92M · loan HK$17.89M · min. income ≈ HK$173,372/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,266,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,746
−HK$4,903/mo
▼ 0.25% · 3.875%
HK$93,180
−HK$2,469/mo
Today · 4.125%
HK$95,649
baseline
▲ 0.50% · 4.625%
HK$100,691
+HK$5,042/mo
Deposit HK$11.92M · loan HK$17.89M · min. income ≈ HK$191,298/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,266,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,166
−HK$5,967/mo
▼ 0.25% · 3.875%
HK$98,126
−HK$3,007/mo
Today · 4.125%
HK$101,133
baseline
▲ 0.50% · 4.625%
HK$107,287
+HK$6,154/mo
Deposit HK$8.94M · loan HK$20.87M · min. income ≈ HK$202,266/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$1,266,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,871
−HK$5,720/mo
▼ 0.25% · 3.875%
HK$108,710
−HK$2,881/mo
Today · 4.125%
HK$111,591
baseline
▲ 0.50% · 4.625%
HK$117,473
+HK$5,882/mo
Deposit HK$8.94M · loan HK$20.87M · min. income ≈ HK$223,182/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$1,266,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,356
−HK$7,673/mo
▼ 0.25% · 3.875%
HK$126,162
−HK$3,867/mo
Today · 4.125%
HK$130,029
baseline
▲ 0.50% · 4.625%
HK$137,941
+HK$7,912/mo
Deposit HK$2.98M · loan HK$26.83M · min. income ≈ HK$260,058/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,266,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,120
−HK$7,354/mo
▼ 0.25% · 3.875%
HK$139,770
−HK$3,704/mo
Today · 4.125%
HK$143,474
baseline
▲ 0.50% · 4.625%
HK$151,037
+HK$7,563/mo
Deposit HK$2.98M · loan HK$26.83M · min. income ≈ HK$286,948/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,266,945 · Scale 2, in force from 26 Feb 2026)