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$67,984
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$70,099
−HK$2,148/mo
Today · 4.125%
HK$72,247
baseline
▲ 0.50% · 4.625%
HK$76,643
+HK$4,396/mo
Deposit HK$14.91M · loan HK$14.91M · min. income ≈ HK$144,494/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,267,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,632
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$77,660
−HK$2,058/mo
Today · 4.125%
HK$79,718
baseline
▲ 0.50% · 4.625%
HK$83,920
+HK$4,202/mo
Deposit HK$14.91M · loan HK$14.91M · min. income ≈ HK$159,436/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,267,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,581
−HK$5,116/mo
▼ 0.25% · 3.875%
HK$84,119
−HK$2,578/mo
Today · 4.125%
HK$86,697
baseline
▲ 0.50% · 4.625%
HK$91,972
+HK$5,275/mo
Deposit HK$11.93M · loan HK$17.89M · min. income ≈ HK$173,394/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,267,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,758
−HK$4,903/mo
▼ 0.25% · 3.875%
HK$93,192
−HK$2,469/mo
Today · 4.125%
HK$95,661
baseline
▲ 0.50% · 4.625%
HK$100,704
+HK$5,043/mo
Deposit HK$11.93M · loan HK$17.89M · min. income ≈ HK$191,322/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,267,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,178
−HK$5,968/mo
▼ 0.25% · 3.875%
HK$98,138
−HK$3,008/mo
Today · 4.125%
HK$101,146
baseline
▲ 0.50% · 4.625%
HK$107,301
+HK$6,155/mo
Deposit HK$8.94M · loan HK$20.87M · min. income ≈ HK$202,292/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$1,267,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,884
−HK$5,721/mo
▼ 0.25% · 3.875%
HK$108,724
−HK$2,881/mo
Today · 4.125%
HK$111,605
baseline
▲ 0.50% · 4.625%
HK$117,488
+HK$5,883/mo
Deposit HK$8.94M · loan HK$20.87M · min. income ≈ HK$223,210/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$1,267,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,372
−HK$7,673/mo
▼ 0.25% · 3.875%
HK$126,178
−HK$3,867/mo
Today · 4.125%
HK$130,045
baseline
▲ 0.50% · 4.625%
HK$137,958
+HK$7,913/mo
Deposit HK$2.98M · loan HK$26.83M · min. income ≈ HK$260,090/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,267,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,137
−HK$7,355/mo
▼ 0.25% · 3.875%
HK$139,788
−HK$3,704/mo
Today · 4.125%
HK$143,492
baseline
▲ 0.50% · 4.625%
HK$151,056
+HK$7,564/mo
Deposit HK$2.98M · loan HK$26.83M · min. income ≈ HK$286,984/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,267,107 · Scale 2, in force from 26 Feb 2026)