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$68,084
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$70,202
−HK$2,152/mo
Today · 4.125%
HK$72,354
baseline
▲ 0.50% · 4.625%
HK$76,756
+HK$4,402/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$1,268,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,743
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$77,774
−HK$2,061/mo
Today · 4.125%
HK$79,835
baseline
▲ 0.50% · 4.625%
HK$84,043
+HK$4,208/mo
Deposit HK$14.93M · loan HK$14.93M · min. income ≈ HK$159,670/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,268,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,701
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$84,242
−HK$2,582/mo
Today · 4.125%
HK$86,824
baseline
▲ 0.50% · 4.625%
HK$92,107
+HK$5,283/mo
Deposit HK$11.94M · loan HK$17.91M · min. income ≈ HK$173,648/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,268,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,891
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$93,329
−HK$2,473/mo
Today · 4.125%
HK$95,802
baseline
▲ 0.50% · 4.625%
HK$100,852
+HK$5,050/mo
Deposit HK$11.94M · loan HK$17.91M · min. income ≈ HK$191,604/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,268,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,318
−HK$5,977/mo
▼ 0.25% · 3.875%
HK$98,283
−HK$3,012/mo
Today · 4.125%
HK$101,295
baseline
▲ 0.50% · 4.625%
HK$107,459
+HK$6,164/mo
Deposit HK$8.96M · loan HK$20.90M · min. income ≈ HK$202,590/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$1,268,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,040
−HK$5,729/mo
▼ 0.25% · 3.875%
HK$108,884
−HK$2,885/mo
Today · 4.125%
HK$111,769
baseline
▲ 0.50% · 4.625%
HK$117,661
+HK$5,892/mo
Deposit HK$8.96M · loan HK$20.90M · min. income ≈ HK$223,538/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$1,268,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,551
−HK$7,685/mo
▼ 0.25% · 3.875%
HK$126,363
−HK$3,873/mo
Today · 4.125%
HK$130,236
baseline
▲ 0.50% · 4.625%
HK$138,161
+HK$7,925/mo
Deposit HK$2.99M · loan HK$26.87M · min. income ≈ HK$260,472/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,268,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,337
−HK$7,366/mo
▼ 0.25% · 3.875%
HK$139,994
−HK$3,709/mo
Today · 4.125%
HK$143,703
baseline
▲ 0.50% · 4.625%
HK$151,278
+HK$7,575/mo
Deposit HK$2.99M · loan HK$26.87M · min. income ≈ HK$287,406/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,268,969 · Scale 2, in force from 26 Feb 2026)