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$68,127
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$70,246
−HK$2,154/mo
Today · 4.125%
HK$72,400
baseline
▲ 0.50% · 4.625%
HK$76,805
+HK$4,405/mo
Deposit HK$14.94M · loan HK$14.94M · min. income ≈ HK$144,800/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$1,269,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,791
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$77,824
−HK$2,062/mo
Today · 4.125%
HK$79,886
baseline
▲ 0.50% · 4.625%
HK$84,097
+HK$4,211/mo
Deposit HK$14.94M · loan HK$14.94M · min. income ≈ HK$159,772/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$1,269,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,753
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$84,296
−HK$2,583/mo
Today · 4.125%
HK$86,879
baseline
▲ 0.50% · 4.625%
HK$92,166
+HK$5,287/mo
Deposit HK$11.95M · loan HK$17.93M · min. income ≈ HK$173,758/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,269,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,949
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$93,388
−HK$2,475/mo
Today · 4.125%
HK$95,863
baseline
▲ 0.50% · 4.625%
HK$100,916
+HK$5,053/mo
Deposit HK$11.95M · loan HK$17.93M · min. income ≈ HK$191,726/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,269,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,378
−HK$5,981/mo
▼ 0.25% · 3.875%
HK$98,345
−HK$3,014/mo
Today · 4.125%
HK$101,359
baseline
▲ 0.50% · 4.625%
HK$107,527
+HK$6,168/mo
Deposit HK$8.96M · loan HK$20.91M · min. income ≈ HK$202,718/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$1,269,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,107
−HK$5,733/mo
▼ 0.25% · 3.875%
HK$108,953
−HK$2,887/mo
Today · 4.125%
HK$111,840
baseline
▲ 0.50% · 4.625%
HK$117,735
+HK$5,895/mo
Deposit HK$8.96M · loan HK$20.91M · min. income ≈ HK$223,680/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$1,269,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,629
−HK$7,690/mo
▼ 0.25% · 3.875%
HK$126,444
−HK$3,875/mo
Today · 4.125%
HK$130,319
baseline
▲ 0.50% · 4.625%
HK$138,249
+HK$7,930/mo
Deposit HK$2.99M · loan HK$26.89M · min. income ≈ HK$260,638/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,269,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,424
−HK$7,370/mo
▼ 0.25% · 3.875%
HK$140,083
−HK$3,711/mo
Today · 4.125%
HK$143,794
baseline
▲ 0.50% · 4.625%
HK$151,374
+HK$7,580/mo
Deposit HK$2.99M · loan HK$26.89M · min. income ≈ HK$287,588/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,269,775 · Scale 2, in force from 26 Feb 2026)