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$68,160
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$70,280
−HK$2,154/mo
Today · 4.125%
HK$72,434
baseline
▲ 0.50% · 4.625%
HK$76,842
+HK$4,408/mo
Deposit HK$14.95M · loan HK$14.95M · min. income ≈ HK$144,868/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,270,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,827
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$77,861
−HK$2,063/mo
Today · 4.125%
HK$79,924
baseline
▲ 0.50% · 4.625%
HK$84,137
+HK$4,213/mo
Deposit HK$14.95M · loan HK$14.95M · min. income ≈ HK$159,848/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,270,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,792
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$84,336
−HK$2,585/mo
Today · 4.125%
HK$86,921
baseline
▲ 0.50% · 4.625%
HK$92,210
+HK$5,289/mo
Deposit HK$11.96M · loan HK$17.93M · min. income ≈ HK$173,842/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,270,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,993
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$93,433
−HK$2,476/mo
Today · 4.125%
HK$95,909
baseline
▲ 0.50% · 4.625%
HK$100,964
+HK$5,055/mo
Deposit HK$11.96M · loan HK$17.93M · min. income ≈ HK$191,818/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,270,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,424
−HK$5,984/mo
▼ 0.25% · 3.875%
HK$98,392
−HK$3,016/mo
Today · 4.125%
HK$101,408
baseline
▲ 0.50% · 4.625%
HK$107,578
+HK$6,170/mo
Deposit HK$8.97M · loan HK$20.92M · min. income ≈ HK$202,816/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,270,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,158
−HK$5,736/mo
▼ 0.25% · 3.875%
HK$109,005
−HK$2,889/mo
Today · 4.125%
HK$111,894
baseline
▲ 0.50% · 4.625%
HK$117,792
+HK$5,898/mo
Deposit HK$8.97M · loan HK$20.92M · min. income ≈ HK$223,788/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,270,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,688
−HK$7,694/mo
▼ 0.25% · 3.875%
HK$126,504
−HK$3,878/mo
Today · 4.125%
HK$130,382
baseline
▲ 0.50% · 4.625%
HK$138,315
+HK$7,933/mo
Deposit HK$2.99M · loan HK$26.90M · min. income ≈ HK$260,764/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,270,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,489
−HK$7,374/mo
▼ 0.25% · 3.875%
HK$140,150
−HK$3,713/mo
Today · 4.125%
HK$143,863
baseline
▲ 0.50% · 4.625%
HK$151,447
+HK$7,584/mo
Deposit HK$2.99M · loan HK$26.90M · min. income ≈ HK$287,726/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,270,385 · Scale 2, in force from 26 Feb 2026)