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$68,085
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$70,202
−HK$2,152/mo
Today · 4.125%
HK$72,354
baseline
▲ 0.50% · 4.625%
HK$76,757
+HK$4,403/mo
Deposit HK$14.93M · loan HK$14.93M · min. income ≈ HK$144,708/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,268,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,744
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$77,775
−HK$2,061/mo
Today · 4.125%
HK$79,836
baseline
▲ 0.50% · 4.625%
HK$84,044
+HK$4,208/mo
Deposit HK$14.93M · loan HK$14.93M · min. income ≈ HK$159,672/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,268,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,702
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$84,243
−HK$2,582/mo
Today · 4.125%
HK$86,825
baseline
▲ 0.50% · 4.625%
HK$92,108
+HK$5,283/mo
Deposit HK$11.94M · loan HK$17.92M · min. income ≈ HK$173,650/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,268,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,892
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$93,330
−HK$2,473/mo
Today · 4.125%
HK$95,803
baseline
▲ 0.50% · 4.625%
HK$100,853
+HK$5,050/mo
Deposit HK$11.94M · loan HK$17.92M · min. income ≈ HK$191,606/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,268,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,319
−HK$5,977/mo
▼ 0.25% · 3.875%
HK$98,283
−HK$3,013/mo
Today · 4.125%
HK$101,296
baseline
▲ 0.50% · 4.625%
HK$107,459
+HK$6,163/mo
Deposit HK$8.96M · loan HK$20.90M · min. income ≈ HK$202,592/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$1,268,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,041
−HK$5,729/mo
▼ 0.25% · 3.875%
HK$108,885
−HK$2,885/mo
Today · 4.125%
HK$111,770
baseline
▲ 0.50% · 4.625%
HK$117,662
+HK$5,892/mo
Deposit HK$8.96M · loan HK$20.90M · min. income ≈ HK$223,540/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$1,268,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,552
−HK$7,686/mo
▼ 0.25% · 3.875%
HK$126,364
−HK$3,874/mo
Today · 4.125%
HK$130,238
baseline
▲ 0.50% · 4.625%
HK$138,162
+HK$7,924/mo
Deposit HK$2.99M · loan HK$26.87M · min. income ≈ HK$260,476/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,268,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,338
−HK$7,366/mo
▼ 0.25% · 3.875%
HK$139,995
−HK$3,709/mo
Today · 4.125%
HK$143,704
baseline
▲ 0.50% · 4.625%
HK$151,279
+HK$7,575/mo
Deposit HK$2.99M · loan HK$26.87M · min. income ≈ HK$287,408/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,268,980 · Scale 2, in force from 26 Feb 2026)