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$68,109
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$70,228
−HK$2,152/mo
Today · 4.125%
HK$72,380
baseline
▲ 0.50% · 4.625%
HK$76,784
+HK$4,404/mo
Deposit HK$14.93M · loan HK$14.93M · min. income ≈ HK$144,760/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,269,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,771
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$77,803
−HK$2,061/mo
Today · 4.125%
HK$79,864
baseline
▲ 0.50% · 4.625%
HK$84,074
+HK$4,210/mo
Deposit HK$14.93M · loan HK$14.93M · min. income ≈ HK$159,728/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,269,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,731
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$84,273
−HK$2,583/mo
Today · 4.125%
HK$86,856
baseline
▲ 0.50% · 4.625%
HK$92,141
+HK$5,285/mo
Deposit HK$11.95M · loan HK$17.92M · min. income ≈ HK$173,712/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,269,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,925
−HK$4,912/mo
▼ 0.25% · 3.875%
HK$93,363
−HK$2,474/mo
Today · 4.125%
HK$95,837
baseline
▲ 0.50% · 4.625%
HK$100,889
+HK$5,052/mo
Deposit HK$11.95M · loan HK$17.92M · min. income ≈ HK$191,674/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,269,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,353
−HK$5,979/mo
▼ 0.25% · 3.875%
HK$98,319
−HK$3,013/mo
Today · 4.125%
HK$101,332
baseline
▲ 0.50% · 4.625%
HK$107,498
+HK$6,166/mo
Deposit HK$8.96M · loan HK$20.91M · min. income ≈ HK$202,664/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$1,269,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,079
−HK$5,731/mo
▼ 0.25% · 3.875%
HK$108,924
−HK$2,886/mo
Today · 4.125%
HK$111,810
baseline
▲ 0.50% · 4.625%
HK$117,704
+HK$5,894/mo
Deposit HK$8.96M · loan HK$20.91M · min. income ≈ HK$223,620/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$1,269,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,596
−HK$7,688/mo
▼ 0.25% · 3.875%
HK$126,410
−HK$3,874/mo
Today · 4.125%
HK$130,284
baseline
▲ 0.50% · 4.625%
HK$138,212
+HK$7,928/mo
Deposit HK$2.99M · loan HK$26.88M · min. income ≈ HK$260,568/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,269,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,387
−HK$7,369/mo
▼ 0.25% · 3.875%
HK$140,045
−HK$3,711/mo
Today · 4.125%
HK$143,756
baseline
▲ 0.50% · 4.625%
HK$151,333
+HK$7,577/mo
Deposit HK$2.99M · loan HK$26.88M · min. income ≈ HK$287,512/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,269,435 · Scale 2, in force from 26 Feb 2026)