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$68,187
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$70,308
−HK$2,155/mo
Today · 4.125%
HK$72,463
baseline
▲ 0.50% · 4.625%
HK$76,872
+HK$4,409/mo
Deposit HK$14.95M · loan HK$14.95M · min. income ≈ HK$144,926/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,270,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,857
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$77,892
−HK$2,064/mo
Today · 4.125%
HK$79,956
baseline
▲ 0.50% · 4.625%
HK$84,170
+HK$4,214/mo
Deposit HK$14.95M · loan HK$14.95M · min. income ≈ HK$159,912/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,270,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,824
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$84,370
−HK$2,586/mo
Today · 4.125%
HK$86,956
baseline
▲ 0.50% · 4.625%
HK$92,247
+HK$5,291/mo
Deposit HK$11.96M · loan HK$17.94M · min. income ≈ HK$173,912/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,270,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,029
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$93,470
−HK$2,477/mo
Today · 4.125%
HK$95,947
baseline
▲ 0.50% · 4.625%
HK$101,004
+HK$5,057/mo
Deposit HK$11.96M · loan HK$17.94M · min. income ≈ HK$191,894/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,270,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,462
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$98,431
−HK$3,017/mo
Today · 4.125%
HK$101,448
baseline
▲ 0.50% · 4.625%
HK$107,621
+HK$6,173/mo
Deposit HK$8.97M · loan HK$20.93M · min. income ≈ HK$202,896/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,270,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,200
−HK$5,738/mo
▼ 0.25% · 3.875%
HK$109,049
−HK$2,889/mo
Today · 4.125%
HK$111,938
baseline
▲ 0.50% · 4.625%
HK$117,838
+HK$5,900/mo
Deposit HK$8.97M · loan HK$20.93M · min. income ≈ HK$223,876/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,270,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,737
−HK$7,696/mo
▼ 0.25% · 3.875%
HK$126,554
−HK$3,879/mo
Today · 4.125%
HK$130,433
baseline
▲ 0.50% · 4.625%
HK$138,370
+HK$7,937/mo
Deposit HK$2.99M · loan HK$26.91M · min. income ≈ HK$260,866/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,270,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,543
−HK$7,377/mo
▼ 0.25% · 3.875%
HK$140,205
−HK$3,715/mo
Today · 4.125%
HK$143,920
baseline
▲ 0.50% · 4.625%
HK$151,507
+HK$7,587/mo
Deposit HK$2.99M · loan HK$26.91M · min. income ≈ HK$287,840/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,270,888 · Scale 2, in force from 26 Feb 2026)