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$68,015
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$70,130
−HK$2,150/mo
Today · 4.125%
HK$72,280
baseline
▲ 0.50% · 4.625%
HK$76,678
+HK$4,398/mo
Deposit HK$14.91M · loan HK$14.91M · min. income ≈ HK$144,560/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$1,267,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,666
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$77,695
−HK$2,059/mo
Today · 4.125%
HK$79,754
baseline
▲ 0.50% · 4.625%
HK$83,958
+HK$4,204/mo
Deposit HK$14.91M · loan HK$14.91M · min. income ≈ HK$159,508/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$1,267,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,618
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$84,156
−HK$2,580/mo
Today · 4.125%
HK$86,736
baseline
▲ 0.50% · 4.625%
HK$92,013
+HK$5,277/mo
Deposit HK$11.93M · loan HK$17.90M · min. income ≈ HK$173,472/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,267,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,799
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$93,234
−HK$2,470/mo
Today · 4.125%
HK$95,704
baseline
▲ 0.50% · 4.625%
HK$100,749
+HK$5,045/mo
Deposit HK$11.93M · loan HK$17.90M · min. income ≈ HK$191,408/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,267,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,221
−HK$5,971/mo
▼ 0.25% · 3.875%
HK$98,182
−HK$3,010/mo
Today · 4.125%
HK$101,192
baseline
▲ 0.50% · 4.625%
HK$107,349
+HK$6,157/mo
Deposit HK$8.95M · loan HK$20.88M · min. income ≈ HK$202,384/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$1,267,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,932
−HK$5,723/mo
▼ 0.25% · 3.875%
HK$108,773
−HK$2,882/mo
Today · 4.125%
HK$111,655
baseline
▲ 0.50% · 4.625%
HK$117,541
+HK$5,886/mo
Deposit HK$8.95M · loan HK$20.88M · min. income ≈ HK$223,310/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$1,267,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,426
−HK$7,678/mo
▼ 0.25% · 3.875%
HK$126,235
−HK$3,869/mo
Today · 4.125%
HK$130,104
baseline
▲ 0.50% · 4.625%
HK$138,020
+HK$7,916/mo
Deposit HK$2.98M · loan HK$26.84M · min. income ≈ HK$260,208/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,267,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,198
−HK$7,359/mo
▼ 0.25% · 3.875%
HK$139,851
−HK$3,706/mo
Today · 4.125%
HK$143,557
baseline
▲ 0.50% · 4.625%
HK$151,124
+HK$7,567/mo
Deposit HK$2.98M · loan HK$26.84M · min. income ≈ HK$287,114/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,267,676 · Scale 2, in force from 26 Feb 2026)