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$67,900
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$70,012
−HK$2,146/mo
Today · 4.125%
HK$72,158
baseline
▲ 0.50% · 4.625%
HK$76,549
+HK$4,391/mo
Deposit HK$14.89M · loan HK$14.89M · min. income ≈ HK$144,316/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,265,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,538
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$77,564
−HK$2,055/mo
Today · 4.125%
HK$79,619
baseline
▲ 0.50% · 4.625%
HK$83,816
+HK$4,197/mo
Deposit HK$14.89M · loan HK$14.89M · min. income ≈ HK$159,238/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,265,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,480
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$84,015
−HK$2,575/mo
Today · 4.125%
HK$86,590
baseline
▲ 0.50% · 4.625%
HK$91,858
+HK$5,268/mo
Deposit HK$11.91M · loan HK$17.87M · min. income ≈ HK$173,180/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,265,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,646
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$93,077
−HK$2,466/mo
Today · 4.125%
HK$95,543
baseline
▲ 0.50% · 4.625%
HK$100,579
+HK$5,036/mo
Deposit HK$11.91M · loan HK$17.87M · min. income ≈ HK$191,086/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,265,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,060
−HK$5,961/mo
▼ 0.25% · 3.875%
HK$98,017
−HK$3,004/mo
Today · 4.125%
HK$101,021
baseline
▲ 0.50% · 4.625%
HK$107,168
+HK$6,147/mo
Deposit HK$8.93M · loan HK$20.84M · min. income ≈ HK$202,042/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,265,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,754
−HK$5,713/mo
▼ 0.25% · 3.875%
HK$108,590
−HK$2,877/mo
Today · 4.125%
HK$111,467
baseline
▲ 0.50% · 4.625%
HK$117,343
+HK$5,876/mo
Deposit HK$8.93M · loan HK$20.84M · min. income ≈ HK$222,934/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,265,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,220
−HK$7,665/mo
▼ 0.25% · 3.875%
HK$126,022
−HK$3,863/mo
Today · 4.125%
HK$129,885
baseline
▲ 0.50% · 4.625%
HK$137,788
+HK$7,903/mo
Deposit HK$2.98M · loan HK$26.80M · min. income ≈ HK$259,770/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,265,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,969
−HK$7,346/mo
▼ 0.25% · 3.875%
HK$139,615
−HK$3,700/mo
Today · 4.125%
HK$143,315
baseline
▲ 0.50% · 4.625%
HK$150,869
+HK$7,554/mo
Deposit HK$2.98M · loan HK$26.80M · min. income ≈ HK$286,630/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,265,541 · Scale 2, in force from 26 Feb 2026)