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$68,130
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$70,250
−HK$2,153/mo
Today · 4.125%
HK$72,403
baseline
▲ 0.50% · 4.625%
HK$76,808
+HK$4,405/mo
Deposit HK$14.94M · loan HK$14.94M · min. income ≈ HK$144,806/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$1,269,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,794
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$77,827
−HK$2,062/mo
Today · 4.125%
HK$79,889
baseline
▲ 0.50% · 4.625%
HK$84,100
+HK$4,211/mo
Deposit HK$14.94M · loan HK$14.94M · min. income ≈ HK$159,778/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$1,269,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,757
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$84,300
−HK$2,583/mo
Today · 4.125%
HK$86,883
baseline
▲ 0.50% · 4.625%
HK$92,170
+HK$5,287/mo
Deposit HK$11.95M · loan HK$17.93M · min. income ≈ HK$173,766/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,269,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,953
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$93,393
−HK$2,474/mo
Today · 4.125%
HK$95,867
baseline
▲ 0.50% · 4.625%
HK$100,921
+HK$5,054/mo
Deposit HK$11.95M · loan HK$17.93M · min. income ≈ HK$191,734/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,269,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,383
−HK$5,981/mo
▼ 0.25% · 3.875%
HK$98,350
−HK$3,014/mo
Today · 4.125%
HK$101,364
baseline
▲ 0.50% · 4.625%
HK$107,532
+HK$6,168/mo
Deposit HK$8.96M · loan HK$20.91M · min. income ≈ HK$202,728/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$1,269,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,112
−HK$5,733/mo
▼ 0.25% · 3.875%
HK$108,958
−HK$2,887/mo
Today · 4.125%
HK$111,845
baseline
▲ 0.50% · 4.625%
HK$117,741
+HK$5,896/mo
Deposit HK$8.96M · loan HK$20.91M · min. income ≈ HK$223,690/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$1,269,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,635
−HK$7,690/mo
▼ 0.25% · 3.875%
HK$126,449
−HK$3,876/mo
Today · 4.125%
HK$130,325
baseline
▲ 0.50% · 4.625%
HK$138,255
+HK$7,930/mo
Deposit HK$2.99M · loan HK$26.89M · min. income ≈ HK$260,650/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,269,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,430
−HK$7,371/mo
▼ 0.25% · 3.875%
HK$140,089
−HK$3,712/mo
Today · 4.125%
HK$143,801
baseline
▲ 0.50% · 4.625%
HK$151,381
+HK$7,580/mo
Deposit HK$2.99M · loan HK$26.89M · min. income ≈ HK$287,602/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,269,833 · Scale 2, in force from 26 Feb 2026)