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$68,058
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$70,175
−HK$2,150/mo
Today · 4.125%
HK$72,325
baseline
▲ 0.50% · 4.625%
HK$76,726
+HK$4,401/mo
Deposit HK$14.92M · loan HK$14.92M · min. income ≈ HK$144,650/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,268,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,713
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$77,744
−HK$2,060/mo
Today · 4.125%
HK$79,804
baseline
▲ 0.50% · 4.625%
HK$84,010
+HK$4,206/mo
Deposit HK$14.92M · loan HK$14.92M · min. income ≈ HK$159,608/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,268,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,669
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$84,209
−HK$2,581/mo
Today · 4.125%
HK$86,790
baseline
▲ 0.50% · 4.625%
HK$92,071
+HK$5,281/mo
Deposit HK$11.94M · loan HK$17.91M · min. income ≈ HK$173,580/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,268,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,856
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$93,293
−HK$2,472/mo
Today · 4.125%
HK$95,765
baseline
▲ 0.50% · 4.625%
HK$100,813
+HK$5,048/mo
Deposit HK$11.94M · loan HK$17.91M · min. income ≈ HK$191,530/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,268,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,281
−HK$5,974/mo
▼ 0.25% · 3.875%
HK$98,244
−HK$3,011/mo
Today · 4.125%
HK$101,255
baseline
▲ 0.50% · 4.625%
HK$107,417
+HK$6,162/mo
Deposit HK$8.95M · loan HK$20.89M · min. income ≈ HK$202,510/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$1,268,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,999
−HK$5,726/mo
▼ 0.25% · 3.875%
HK$108,841
−HK$2,884/mo
Today · 4.125%
HK$111,725
baseline
▲ 0.50% · 4.625%
HK$117,615
+HK$5,890/mo
Deposit HK$8.95M · loan HK$20.89M · min. income ≈ HK$223,450/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$1,268,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,504
−HK$7,682/mo
▼ 0.25% · 3.875%
HK$126,314
−HK$3,872/mo
Today · 4.125%
HK$130,186
baseline
▲ 0.50% · 4.625%
HK$138,107
+HK$7,921/mo
Deposit HK$2.98M · loan HK$26.86M · min. income ≈ HK$260,372/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,268,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,284
−HK$7,363/mo
▼ 0.25% · 3.875%
HK$139,939
−HK$3,708/mo
Today · 4.125%
HK$143,647
baseline
▲ 0.50% · 4.625%
HK$151,219
+HK$7,572/mo
Deposit HK$2.98M · loan HK$26.86M · min. income ≈ HK$287,294/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,268,474 · Scale 2, in force from 26 Feb 2026)