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$67,964
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$70,078
−HK$2,148/mo
Today · 4.125%
HK$72,226
baseline
▲ 0.50% · 4.625%
HK$76,620
+HK$4,394/mo
Deposit HK$14.90M · loan HK$14.90M · min. income ≈ HK$144,452/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,266,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,609
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$77,637
−HK$2,057/mo
Today · 4.125%
HK$79,694
baseline
▲ 0.50% · 4.625%
HK$83,895
+HK$4,201/mo
Deposit HK$14.90M · loan HK$14.90M · min. income ≈ HK$159,388/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,266,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,556
−HK$5,115/mo
▼ 0.25% · 3.875%
HK$84,093
−HK$2,578/mo
Today · 4.125%
HK$86,671
baseline
▲ 0.50% · 4.625%
HK$91,944
+HK$5,273/mo
Deposit HK$11.92M · loan HK$17.88M · min. income ≈ HK$173,342/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,266,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,731
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$93,164
−HK$2,469/mo
Today · 4.125%
HK$95,633
baseline
▲ 0.50% · 4.625%
HK$100,673
+HK$5,040/mo
Deposit HK$11.92M · loan HK$17.88M · min. income ≈ HK$191,266/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,266,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,149
−HK$5,967/mo
▼ 0.25% · 3.875%
HK$98,109
−HK$3,007/mo
Today · 4.125%
HK$101,116
baseline
▲ 0.50% · 4.625%
HK$107,268
+HK$6,152/mo
Deposit HK$8.94M · loan HK$20.86M · min. income ≈ HK$202,232/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$1,266,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,852
−HK$5,719/mo
▼ 0.25% · 3.875%
HK$108,691
−HK$2,880/mo
Today · 4.125%
HK$111,571
baseline
▲ 0.50% · 4.625%
HK$117,452
+HK$5,881/mo
Deposit HK$8.94M · loan HK$20.86M · min. income ≈ HK$223,142/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$1,266,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,335
−HK$7,671/mo
▼ 0.25% · 3.875%
HK$126,140
−HK$3,866/mo
Today · 4.125%
HK$130,006
baseline
▲ 0.50% · 4.625%
HK$137,917
+HK$7,911/mo
Deposit HK$2.98M · loan HK$26.82M · min. income ≈ HK$260,012/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,266,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,096
−HK$7,353/mo
▼ 0.25% · 3.875%
HK$139,746
−HK$3,703/mo
Today · 4.125%
HK$143,449
baseline
▲ 0.50% · 4.625%
HK$151,010
+HK$7,561/mo
Deposit HK$2.98M · loan HK$26.82M · min. income ≈ HK$286,898/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,266,724 · Scale 2, in force from 26 Feb 2026)