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$67,987
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$70,102
−HK$2,149/mo
Today · 4.125%
HK$72,251
baseline
▲ 0.50% · 4.625%
HK$76,647
+HK$4,396/mo
Deposit HK$14.91M · loan HK$14.91M · min. income ≈ HK$144,502/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,267,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,635
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$77,664
−HK$2,058/mo
Today · 4.125%
HK$79,722
baseline
▲ 0.50% · 4.625%
HK$83,924
+HK$4,202/mo
Deposit HK$14.91M · loan HK$14.91M · min. income ≈ HK$159,444/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,267,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,585
−HK$5,116/mo
▼ 0.25% · 3.875%
HK$84,123
−HK$2,578/mo
Today · 4.125%
HK$86,701
baseline
▲ 0.50% · 4.625%
HK$91,976
+HK$5,275/mo
Deposit HK$11.93M · loan HK$17.89M · min. income ≈ HK$173,402/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,267,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,762
−HK$4,904/mo
▼ 0.25% · 3.875%
HK$93,196
−HK$2,470/mo
Today · 4.125%
HK$95,666
baseline
▲ 0.50% · 4.625%
HK$100,709
+HK$5,043/mo
Deposit HK$11.93M · loan HK$17.89M · min. income ≈ HK$191,332/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,267,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,182
−HK$5,969/mo
▼ 0.25% · 3.875%
HK$98,143
−HK$3,008/mo
Today · 4.125%
HK$101,151
baseline
▲ 0.50% · 4.625%
HK$107,306
+HK$6,155/mo
Deposit HK$8.94M · loan HK$20.87M · min. income ≈ HK$202,302/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$1,267,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,889
−HK$5,721/mo
▼ 0.25% · 3.875%
HK$108,729
−HK$2,881/mo
Today · 4.125%
HK$111,610
baseline
▲ 0.50% · 4.625%
HK$117,493
+HK$5,883/mo
Deposit HK$8.94M · loan HK$20.87M · min. income ≈ HK$223,220/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$1,267,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,377
−HK$7,674/mo
▼ 0.25% · 3.875%
HK$126,184
−HK$3,867/mo
Today · 4.125%
HK$130,051
baseline
▲ 0.50% · 4.625%
HK$137,965
+HK$7,914/mo
Deposit HK$2.98M · loan HK$26.83M · min. income ≈ HK$260,102/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,267,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,143
−HK$7,356/mo
▼ 0.25% · 3.875%
HK$139,795
−HK$3,704/mo
Today · 4.125%
HK$143,499
baseline
▲ 0.50% · 4.625%
HK$151,063
+HK$7,564/mo
Deposit HK$2.98M · loan HK$26.83M · min. income ≈ HK$286,998/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,267,166 · Scale 2, in force from 26 Feb 2026)