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$68,197
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$70,319
−HK$2,155/mo
Today · 4.125%
HK$72,474
baseline
▲ 0.50% · 4.625%
HK$76,884
+HK$4,410/mo
Deposit HK$14.95M · loan HK$14.95M · min. income ≈ HK$144,948/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,271,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,869
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$77,904
−HK$2,064/mo
Today · 4.125%
HK$79,968
baseline
▲ 0.50% · 4.625%
HK$84,183
+HK$4,215/mo
Deposit HK$14.95M · loan HK$14.95M · min. income ≈ HK$159,936/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,271,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,837
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$84,382
−HK$2,587/mo
Today · 4.125%
HK$86,969
baseline
▲ 0.50% · 4.625%
HK$92,260
+HK$5,291/mo
Deposit HK$11.96M · loan HK$17.94M · min. income ≈ HK$173,938/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,271,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,043
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$93,484
−HK$2,477/mo
Today · 4.125%
HK$95,961
baseline
▲ 0.50% · 4.625%
HK$101,020
+HK$5,059/mo
Deposit HK$11.96M · loan HK$17.94M · min. income ≈ HK$191,922/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,271,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,476
−HK$5,987/mo
▼ 0.25% · 3.875%
HK$98,446
−HK$3,017/mo
Today · 4.125%
HK$101,463
baseline
▲ 0.50% · 4.625%
HK$107,637
+HK$6,174/mo
Deposit HK$8.97M · loan HK$20.94M · min. income ≈ HK$202,926/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,271,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,216
−HK$5,739/mo
▼ 0.25% · 3.875%
HK$109,065
−HK$2,890/mo
Today · 4.125%
HK$111,955
baseline
▲ 0.50% · 4.625%
HK$117,856
+HK$5,901/mo
Deposit HK$8.97M · loan HK$20.94M · min. income ≈ HK$223,910/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,271,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,755
−HK$7,698/mo
▼ 0.25% · 3.875%
HK$126,573
−HK$3,880/mo
Today · 4.125%
HK$130,453
baseline
▲ 0.50% · 4.625%
HK$138,391
+HK$7,938/mo
Deposit HK$2.99M · loan HK$26.92M · min. income ≈ HK$260,906/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,271,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,564
−HK$7,378/mo
▼ 0.25% · 3.875%
HK$140,226
−HK$3,716/mo
Today · 4.125%
HK$143,942
baseline
▲ 0.50% · 4.625%
HK$151,529
+HK$7,587/mo
Deposit HK$2.99M · loan HK$26.92M · min. income ≈ HK$287,884/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,271,079 · Scale 2, in force from 26 Feb 2026)