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$68,083
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$70,201
−HK$2,152/mo
Today · 4.125%
HK$72,353
baseline
▲ 0.50% · 4.625%
HK$76,755
+HK$4,402/mo
Deposit HK$14.93M · loan HK$14.93M · min. income ≈ HK$144,706/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,268,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,742
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$77,774
−HK$2,060/mo
Today · 4.125%
HK$79,834
baseline
▲ 0.50% · 4.625%
HK$84,042
+HK$4,208/mo
Deposit HK$14.93M · loan HK$14.93M · min. income ≈ HK$159,668/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,268,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,700
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$84,241
−HK$2,582/mo
Today · 4.125%
HK$86,823
baseline
▲ 0.50% · 4.625%
HK$92,106
+HK$5,283/mo
Deposit HK$11.94M · loan HK$17.91M · min. income ≈ HK$173,646/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,268,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,891
−HK$4,910/mo
▼ 0.25% · 3.875%
HK$93,328
−HK$2,473/mo
Today · 4.125%
HK$95,801
baseline
▲ 0.50% · 4.625%
HK$100,851
+HK$5,050/mo
Deposit HK$11.94M · loan HK$17.91M · min. income ≈ HK$191,602/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,268,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,317
−HK$5,977/mo
▼ 0.25% · 3.875%
HK$98,282
−HK$3,012/mo
Today · 4.125%
HK$101,294
baseline
▲ 0.50% · 4.625%
HK$107,458
+HK$6,164/mo
Deposit HK$8.96M · loan HK$20.90M · min. income ≈ HK$202,588/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$1,268,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,039
−HK$5,729/mo
▼ 0.25% · 3.875%
HK$108,883
−HK$2,885/mo
Today · 4.125%
HK$111,768
baseline
▲ 0.50% · 4.625%
HK$117,659
+HK$5,891/mo
Deposit HK$8.96M · loan HK$20.90M · min. income ≈ HK$223,536/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$1,268,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,550
−HK$7,685/mo
▼ 0.25% · 3.875%
HK$126,362
−HK$3,873/mo
Today · 4.125%
HK$130,235
baseline
▲ 0.50% · 4.625%
HK$138,160
+HK$7,925/mo
Deposit HK$2.99M · loan HK$26.87M · min. income ≈ HK$260,470/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,268,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,336
−HK$7,366/mo
▼ 0.25% · 3.875%
HK$139,992
−HK$3,710/mo
Today · 4.125%
HK$143,702
baseline
▲ 0.50% · 4.625%
HK$151,276
+HK$7,574/mo
Deposit HK$2.99M · loan HK$26.87M · min. income ≈ HK$287,404/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,268,957 · Scale 2, in force from 26 Feb 2026)