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$68,201
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$70,322
−HK$2,156/mo
Today · 4.125%
HK$72,478
baseline
▲ 0.50% · 4.625%
HK$76,888
+HK$4,410/mo
Deposit HK$14.95M · loan HK$14.95M · min. income ≈ HK$144,956/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$1,271,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,873
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$77,908
−HK$2,064/mo
Today · 4.125%
HK$79,972
baseline
▲ 0.50% · 4.625%
HK$84,187
+HK$4,215/mo
Deposit HK$14.95M · loan HK$14.95M · min. income ≈ HK$159,944/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$1,271,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,841
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$84,387
−HK$2,586/mo
Today · 4.125%
HK$86,973
baseline
▲ 0.50% · 4.625%
HK$92,265
+HK$5,292/mo
Deposit HK$11.96M · loan HK$17.95M · min. income ≈ HK$173,946/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,271,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,047
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$93,489
−HK$2,477/mo
Today · 4.125%
HK$95,966
baseline
▲ 0.50% · 4.625%
HK$101,025
+HK$5,059/mo
Deposit HK$11.96M · loan HK$17.95M · min. income ≈ HK$191,932/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,271,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,481
−HK$5,988/mo
▼ 0.25% · 3.875%
HK$98,451
−HK$3,018/mo
Today · 4.125%
HK$101,469
baseline
▲ 0.50% · 4.625%
HK$107,643
+HK$6,174/mo
Deposit HK$8.97M · loan HK$20.94M · min. income ≈ HK$202,938/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,271,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,222
−HK$5,739/mo
▼ 0.25% · 3.875%
HK$109,071
−HK$2,890/mo
Today · 4.125%
HK$111,961
baseline
▲ 0.50% · 4.625%
HK$117,862
+HK$5,901/mo
Deposit HK$8.97M · loan HK$20.94M · min. income ≈ HK$223,922/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,271,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,762
−HK$7,698/mo
▼ 0.25% · 3.875%
HK$126,580
−HK$3,880/mo
Today · 4.125%
HK$130,460
baseline
▲ 0.50% · 4.625%
HK$138,398
+HK$7,938/mo
Deposit HK$2.99M · loan HK$26.92M · min. income ≈ HK$260,920/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,271,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,571
−HK$7,379/mo
▼ 0.25% · 3.875%
HK$140,234
−HK$3,716/mo
Today · 4.125%
HK$143,950
baseline
▲ 0.50% · 4.625%
HK$151,537
+HK$7,587/mo
Deposit HK$2.99M · loan HK$26.92M · min. income ≈ HK$287,900/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,271,147 · Scale 2, in force from 26 Feb 2026)