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$68,209
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$70,331
−HK$2,156/mo
Today · 4.125%
HK$72,487
baseline
▲ 0.50% · 4.625%
HK$76,897
+HK$4,410/mo
Deposit HK$14.96M · loan HK$14.96M · min. income ≈ HK$144,974/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$1,271,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,882
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$77,917
−HK$2,065/mo
Today · 4.125%
HK$79,982
baseline
▲ 0.50% · 4.625%
HK$84,198
+HK$4,216/mo
Deposit HK$14.96M · loan HK$14.96M · min. income ≈ HK$159,964/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$1,271,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,851
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$84,397
−HK$2,587/mo
Today · 4.125%
HK$86,984
baseline
▲ 0.50% · 4.625%
HK$92,277
+HK$5,293/mo
Deposit HK$11.97M · loan HK$17.95M · min. income ≈ HK$173,968/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,271,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,059
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$93,501
−HK$2,477/mo
Today · 4.125%
HK$95,978
baseline
▲ 0.50% · 4.625%
HK$101,038
+HK$5,060/mo
Deposit HK$11.97M · loan HK$17.95M · min. income ≈ HK$191,956/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,271,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,493
−HK$5,988/mo
▼ 0.25% · 3.875%
HK$98,464
−HK$3,017/mo
Today · 4.125%
HK$101,481
baseline
▲ 0.50% · 4.625%
HK$107,656
+HK$6,175/mo
Deposit HK$8.97M · loan HK$20.94M · min. income ≈ HK$202,962/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,271,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,235
−HK$5,740/mo
▼ 0.25% · 3.875%
HK$109,084
−HK$2,891/mo
Today · 4.125%
HK$111,975
baseline
▲ 0.50% · 4.625%
HK$117,877
+HK$5,902/mo
Deposit HK$8.97M · loan HK$20.94M · min. income ≈ HK$223,950/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,271,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,777
−HK$7,699/mo
▼ 0.25% · 3.875%
HK$126,596
−HK$3,880/mo
Today · 4.125%
HK$130,476
baseline
▲ 0.50% · 4.625%
HK$138,415
+HK$7,939/mo
Deposit HK$2.99M · loan HK$26.92M · min. income ≈ HK$260,952/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,271,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,588
−HK$7,380/mo
▼ 0.25% · 3.875%
HK$140,251
−HK$3,717/mo
Today · 4.125%
HK$143,968
baseline
▲ 0.50% · 4.625%
HK$151,556
+HK$7,588/mo
Deposit HK$2.99M · loan HK$26.92M · min. income ≈ HK$287,936/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,271,305 · Scale 2, in force from 26 Feb 2026)