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$68,182
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$70,303
−HK$2,154/mo
Today · 4.125%
HK$72,457
baseline
▲ 0.50% · 4.625%
HK$76,866
+HK$4,409/mo
Deposit HK$14.95M · loan HK$14.95M · min. income ≈ HK$144,914/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,270,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,851
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$77,886
−HK$2,064/mo
Today · 4.125%
HK$79,950
baseline
▲ 0.50% · 4.625%
HK$84,164
+HK$4,214/mo
Deposit HK$14.95M · loan HK$14.95M · min. income ≈ HK$159,900/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,270,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,818
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$84,363
−HK$2,586/mo
Today · 4.125%
HK$86,949
baseline
▲ 0.50% · 4.625%
HK$92,239
+HK$5,290/mo
Deposit HK$11.96M · loan HK$17.94M · min. income ≈ HK$173,898/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,270,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,022
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$93,463
−HK$2,476/mo
Today · 4.125%
HK$95,939
baseline
▲ 0.50% · 4.625%
HK$100,996
+HK$5,057/mo
Deposit HK$11.96M · loan HK$17.94M · min. income ≈ HK$191,878/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,270,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,454
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$98,424
−HK$3,016/mo
Today · 4.125%
HK$101,440
baseline
▲ 0.50% · 4.625%
HK$107,613
+HK$6,173/mo
Deposit HK$8.97M · loan HK$20.93M · min. income ≈ HK$202,880/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,270,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,192
−HK$5,737/mo
▼ 0.25% · 3.875%
HK$109,040
−HK$2,889/mo
Today · 4.125%
HK$111,929
baseline
▲ 0.50% · 4.625%
HK$117,829
+HK$5,900/mo
Deposit HK$8.97M · loan HK$20.93M · min. income ≈ HK$223,858/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,270,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,727
−HK$7,696/mo
▼ 0.25% · 3.875%
HK$126,545
−HK$3,878/mo
Today · 4.125%
HK$130,423
baseline
▲ 0.50% · 4.625%
HK$138,359
+HK$7,936/mo
Deposit HK$2.99M · loan HK$26.91M · min. income ≈ HK$260,846/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,270,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,533
−HK$7,376/mo
▼ 0.25% · 3.875%
HK$140,194
−HK$3,715/mo
Today · 4.125%
HK$143,909
baseline
▲ 0.50% · 4.625%
HK$151,495
+HK$7,586/mo
Deposit HK$2.99M · loan HK$26.91M · min. income ≈ HK$287,818/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,270,789 · Scale 2, in force from 26 Feb 2026)