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$68,082
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$70,200
−HK$2,151/mo
Today · 4.125%
HK$72,351
baseline
▲ 0.50% · 4.625%
HK$76,754
+HK$4,403/mo
Deposit HK$14.93M · loan HK$14.93M · min. income ≈ HK$144,702/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,268,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,741
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$77,772
−HK$2,061/mo
Today · 4.125%
HK$79,833
baseline
▲ 0.50% · 4.625%
HK$84,041
+HK$4,208/mo
Deposit HK$14.93M · loan HK$14.93M · min. income ≈ HK$159,666/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,268,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,698
−HK$5,124/mo
▼ 0.25% · 3.875%
HK$84,240
−HK$2,582/mo
Today · 4.125%
HK$86,822
baseline
▲ 0.50% · 4.625%
HK$92,105
+HK$5,283/mo
Deposit HK$11.94M · loan HK$17.91M · min. income ≈ HK$173,644/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,268,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,889
−HK$4,910/mo
▼ 0.25% · 3.875%
HK$93,326
−HK$2,473/mo
Today · 4.125%
HK$95,799
baseline
▲ 0.50% · 4.625%
HK$100,849
+HK$5,050/mo
Deposit HK$11.94M · loan HK$17.91M · min. income ≈ HK$191,598/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,268,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,315
−HK$5,977/mo
▼ 0.25% · 3.875%
HK$98,280
−HK$3,012/mo
Today · 4.125%
HK$101,292
baseline
▲ 0.50% · 4.625%
HK$107,455
+HK$6,163/mo
Deposit HK$8.96M · loan HK$20.90M · min. income ≈ HK$202,584/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$1,268,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,037
−HK$5,729/mo
▼ 0.25% · 3.875%
HK$108,881
−HK$2,885/mo
Today · 4.125%
HK$111,766
baseline
▲ 0.50% · 4.625%
HK$117,657
+HK$5,891/mo
Deposit HK$8.96M · loan HK$20.90M · min. income ≈ HK$223,532/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$1,268,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,548
−HK$7,685/mo
▼ 0.25% · 3.875%
HK$126,360
−HK$3,873/mo
Today · 4.125%
HK$130,233
baseline
▲ 0.50% · 4.625%
HK$138,157
+HK$7,924/mo
Deposit HK$2.99M · loan HK$26.87M · min. income ≈ HK$260,466/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,268,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,333
−HK$7,366/mo
▼ 0.25% · 3.875%
HK$139,989
−HK$3,710/mo
Today · 4.125%
HK$143,699
baseline
▲ 0.50% · 4.625%
HK$151,273
+HK$7,574/mo
Deposit HK$2.99M · loan HK$26.87M · min. income ≈ HK$287,398/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,268,931 · Scale 2, in force from 26 Feb 2026)