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$68,005
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$70,121
−HK$2,149/mo
Today · 4.125%
HK$72,270
baseline
▲ 0.50% · 4.625%
HK$76,667
+HK$4,397/mo
Deposit HK$14.91M · loan HK$14.91M · min. income ≈ HK$144,540/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$1,267,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,655
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$77,684
−HK$2,059/mo
Today · 4.125%
HK$79,743
baseline
▲ 0.50% · 4.625%
HK$83,946
+HK$4,203/mo
Deposit HK$14.91M · loan HK$14.91M · min. income ≈ HK$159,486/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$1,267,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,606
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$84,145
−HK$2,579/mo
Today · 4.125%
HK$86,724
baseline
▲ 0.50% · 4.625%
HK$92,001
+HK$5,277/mo
Deposit HK$11.93M · loan HK$17.89M · min. income ≈ HK$173,448/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,267,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,786
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$93,221
−HK$2,470/mo
Today · 4.125%
HK$95,691
baseline
▲ 0.50% · 4.625%
HK$100,735
+HK$5,044/mo
Deposit HK$11.93M · loan HK$17.89M · min. income ≈ HK$191,382/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,267,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,207
−HK$5,971/mo
▼ 0.25% · 3.875%
HK$98,169
−HK$3,009/mo
Today · 4.125%
HK$101,178
baseline
▲ 0.50% · 4.625%
HK$107,334
+HK$6,156/mo
Deposit HK$8.95M · loan HK$20.88M · min. income ≈ HK$202,356/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$1,267,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,917
−HK$5,723/mo
▼ 0.25% · 3.875%
HK$108,758
−HK$2,882/mo
Today · 4.125%
HK$111,640
baseline
▲ 0.50% · 4.625%
HK$117,524
+HK$5,884/mo
Deposit HK$8.95M · loan HK$20.88M · min. income ≈ HK$223,280/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$1,267,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,410
−HK$7,676/mo
▼ 0.25% · 3.875%
HK$126,217
−HK$3,869/mo
Today · 4.125%
HK$130,086
baseline
▲ 0.50% · 4.625%
HK$138,001
+HK$7,915/mo
Deposit HK$2.98M · loan HK$26.84M · min. income ≈ HK$260,172/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,267,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,179
−HK$7,358/mo
▼ 0.25% · 3.875%
HK$139,832
−HK$3,705/mo
Today · 4.125%
HK$143,537
baseline
▲ 0.50% · 4.625%
HK$151,103
+HK$7,566/mo
Deposit HK$2.98M · loan HK$26.84M · min. income ≈ HK$287,074/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,267,501 · Scale 2, in force from 26 Feb 2026)