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$67,929
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$70,041
−HK$2,147/mo
Today · 4.125%
HK$72,188
baseline
▲ 0.50% · 4.625%
HK$76,581
+HK$4,393/mo
Deposit HK$14.89M · loan HK$14.89M · min. income ≈ HK$144,376/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,266,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,570
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$77,597
−HK$2,056/mo
Today · 4.125%
HK$79,653
baseline
▲ 0.50% · 4.625%
HK$83,851
+HK$4,198/mo
Deposit HK$14.89M · loan HK$14.89M · min. income ≈ HK$159,306/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,266,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,514
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$84,050
−HK$2,576/mo
Today · 4.125%
HK$86,626
baseline
▲ 0.50% · 4.625%
HK$91,897
+HK$5,271/mo
Deposit HK$11.92M · loan HK$17.87M · min. income ≈ HK$173,252/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,266,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,684
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$93,116
−HK$2,467/mo
Today · 4.125%
HK$95,583
baseline
▲ 0.50% · 4.625%
HK$100,621
+HK$5,038/mo
Deposit HK$11.92M · loan HK$17.87M · min. income ≈ HK$191,166/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,266,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,100
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$98,058
−HK$3,006/mo
Today · 4.125%
HK$101,064
baseline
▲ 0.50% · 4.625%
HK$107,213
+HK$6,149/mo
Deposit HK$8.94M · loan HK$20.85M · min. income ≈ HK$202,128/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,266,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,798
−HK$5,716/mo
▼ 0.25% · 3.875%
HK$108,635
−HK$2,879/mo
Today · 4.125%
HK$111,514
baseline
▲ 0.50% · 4.625%
HK$117,392
+HK$5,878/mo
Deposit HK$8.94M · loan HK$20.85M · min. income ≈ HK$223,028/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,266,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,271
−HK$7,668/mo
▼ 0.25% · 3.875%
HK$126,075
−HK$3,864/mo
Today · 4.125%
HK$129,939
baseline
▲ 0.50% · 4.625%
HK$137,845
+HK$7,906/mo
Deposit HK$2.98M · loan HK$26.81M · min. income ≈ HK$259,878/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,266,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,026
−HK$7,349/mo
▼ 0.25% · 3.875%
HK$139,674
−HK$3,701/mo
Today · 4.125%
HK$143,375
baseline
▲ 0.50% · 4.625%
HK$150,932
+HK$7,557/mo
Deposit HK$2.98M · loan HK$26.81M · min. income ≈ HK$286,750/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,266,069 · Scale 2, in force from 26 Feb 2026)