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$68,034
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$70,150
−HK$2,150/mo
Today · 4.125%
HK$72,300
baseline
▲ 0.50% · 4.625%
HK$76,700
+HK$4,400/mo
Deposit HK$14.92M · loan HK$14.92M · min. income ≈ HK$144,600/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,268,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,687
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$77,717
−HK$2,059/mo
Today · 4.125%
HK$79,776
baseline
▲ 0.50% · 4.625%
HK$83,982
+HK$4,206/mo
Deposit HK$14.92M · loan HK$14.92M · min. income ≈ HK$159,552/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,268,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,641
−HK$5,120/mo
▼ 0.25% · 3.875%
HK$84,180
−HK$2,581/mo
Today · 4.125%
HK$86,761
baseline
▲ 0.50% · 4.625%
HK$92,040
+HK$5,279/mo
Deposit HK$11.93M · loan HK$17.90M · min. income ≈ HK$173,522/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,268,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,825
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$93,261
−HK$2,471/mo
Today · 4.125%
HK$95,732
baseline
▲ 0.50% · 4.625%
HK$100,778
+HK$5,046/mo
Deposit HK$11.93M · loan HK$17.90M · min. income ≈ HK$191,464/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,268,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,248
−HK$5,973/mo
▼ 0.25% · 3.875%
HK$98,211
−HK$3,010/mo
Today · 4.125%
HK$101,221
baseline
▲ 0.50% · 4.625%
HK$107,380
+HK$6,159/mo
Deposit HK$8.95M · loan HK$20.89M · min. income ≈ HK$202,442/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$1,268,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,962
−HK$5,725/mo
▼ 0.25% · 3.875%
HK$108,804
−HK$2,883/mo
Today · 4.125%
HK$111,687
baseline
▲ 0.50% · 4.625%
HK$117,574
+HK$5,887/mo
Deposit HK$8.95M · loan HK$20.89M · min. income ≈ HK$223,374/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$1,268,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,461
−HK$7,680/mo
▼ 0.25% · 3.875%
HK$126,271
−HK$3,870/mo
Today · 4.125%
HK$130,141
baseline
▲ 0.50% · 4.625%
HK$138,060
+HK$7,919/mo
Deposit HK$2.98M · loan HK$26.85M · min. income ≈ HK$260,282/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,268,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,237
−HK$7,361/mo
▼ 0.25% · 3.875%
HK$139,891
−HK$3,707/mo
Today · 4.125%
HK$143,598
baseline
▲ 0.50% · 4.625%
HK$151,167
+HK$7,569/mo
Deposit HK$2.98M · loan HK$26.85M · min. income ≈ HK$287,196/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,268,038 · Scale 2, in force from 26 Feb 2026)