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$68,166
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$70,286
−HK$2,154/mo
Today · 4.125%
HK$72,440
baseline
▲ 0.50% · 4.625%
HK$76,848
+HK$4,408/mo
Deposit HK$14.95M · loan HK$14.95M · min. income ≈ HK$144,880/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,270,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,834
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$77,867
−HK$2,064/mo
Today · 4.125%
HK$79,931
baseline
▲ 0.50% · 4.625%
HK$84,144
+HK$4,213/mo
Deposit HK$14.95M · loan HK$14.95M · min. income ≈ HK$159,862/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,270,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,799
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$84,343
−HK$2,585/mo
Today · 4.125%
HK$86,928
baseline
▲ 0.50% · 4.625%
HK$92,218
+HK$5,290/mo
Deposit HK$11.96M · loan HK$17.94M · min. income ≈ HK$173,856/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,270,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,000
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$93,441
−HK$2,476/mo
Today · 4.125%
HK$95,917
baseline
▲ 0.50% · 4.625%
HK$100,973
+HK$5,056/mo
Deposit HK$11.96M · loan HK$17.94M · min. income ≈ HK$191,834/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,270,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,432
−HK$5,984/mo
▼ 0.25% · 3.875%
HK$98,400
−HK$3,016/mo
Today · 4.125%
HK$101,416
baseline
▲ 0.50% · 4.625%
HK$107,587
+HK$6,171/mo
Deposit HK$8.97M · loan HK$20.93M · min. income ≈ HK$202,832/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,270,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,167
−HK$5,736/mo
▼ 0.25% · 3.875%
HK$109,014
−HK$2,889/mo
Today · 4.125%
HK$111,903
baseline
▲ 0.50% · 4.625%
HK$117,801
+HK$5,898/mo
Deposit HK$8.97M · loan HK$20.93M · min. income ≈ HK$223,806/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,270,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,698
−HK$7,694/mo
▼ 0.25% · 3.875%
HK$126,515
−HK$3,877/mo
Today · 4.125%
HK$130,392
baseline
▲ 0.50% · 4.625%
HK$138,326
+HK$7,934/mo
Deposit HK$2.99M · loan HK$26.90M · min. income ≈ HK$260,784/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,270,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,500
−HK$7,375/mo
▼ 0.25% · 3.875%
HK$140,161
−HK$3,714/mo
Today · 4.125%
HK$143,875
baseline
▲ 0.50% · 4.625%
HK$151,459
+HK$7,584/mo
Deposit HK$2.99M · loan HK$26.90M · min. income ≈ HK$287,750/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,270,488 · Scale 2, in force from 26 Feb 2026)