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$68,007
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$70,123
−HK$2,149/mo
Today · 4.125%
HK$72,272
baseline
▲ 0.50% · 4.625%
HK$76,670
+HK$4,398/mo
Deposit HK$14.91M · loan HK$14.91M · min. income ≈ HK$144,544/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$1,267,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,658
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$77,687
−HK$2,058/mo
Today · 4.125%
HK$79,745
baseline
▲ 0.50% · 4.625%
HK$83,949
+HK$4,204/mo
Deposit HK$14.91M · loan HK$14.91M · min. income ≈ HK$159,490/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$1,267,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,609
−HK$5,117/mo
▼ 0.25% · 3.875%
HK$84,147
−HK$2,579/mo
Today · 4.125%
HK$86,726
baseline
▲ 0.50% · 4.625%
HK$92,004
+HK$5,278/mo
Deposit HK$11.93M · loan HK$17.89M · min. income ≈ HK$173,452/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,267,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,789
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$93,224
−HK$2,470/mo
Today · 4.125%
HK$95,694
baseline
▲ 0.50% · 4.625%
HK$100,738
+HK$5,044/mo
Deposit HK$11.93M · loan HK$17.89M · min. income ≈ HK$191,388/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,267,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,210
−HK$5,971/mo
▼ 0.25% · 3.875%
HK$98,172
−HK$3,009/mo
Today · 4.125%
HK$101,181
baseline
▲ 0.50% · 4.625%
HK$107,337
+HK$6,156/mo
Deposit HK$8.95M · loan HK$20.88M · min. income ≈ HK$202,362/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$1,267,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,921
−HK$5,722/mo
▼ 0.25% · 3.875%
HK$108,761
−HK$2,882/mo
Today · 4.125%
HK$111,643
baseline
▲ 0.50% · 4.625%
HK$117,528
+HK$5,885/mo
Deposit HK$8.95M · loan HK$20.88M · min. income ≈ HK$223,286/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$1,267,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,413
−HK$7,677/mo
▼ 0.25% · 3.875%
HK$126,221
−HK$3,869/mo
Today · 4.125%
HK$130,090
baseline
▲ 0.50% · 4.625%
HK$138,005
+HK$7,915/mo
Deposit HK$2.98M · loan HK$26.84M · min. income ≈ HK$260,180/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,267,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,184
−HK$7,357/mo
▼ 0.25% · 3.875%
HK$139,836
−HK$3,705/mo
Today · 4.125%
HK$143,541
baseline
▲ 0.50% · 4.625%
HK$151,107
+HK$7,566/mo
Deposit HK$2.98M · loan HK$26.84M · min. income ≈ HK$287,082/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,267,539 · Scale 2, in force from 26 Feb 2026)