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$68,131
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$70,250
−HK$2,153/mo
Today · 4.125%
HK$72,403
baseline
▲ 0.50% · 4.625%
HK$76,809
+HK$4,406/mo
Deposit HK$14.94M · loan HK$14.94M · min. income ≈ HK$144,806/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$1,269,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,795
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$77,828
−HK$2,062/mo
Today · 4.125%
HK$79,890
baseline
▲ 0.50% · 4.625%
HK$84,101
+HK$4,211/mo
Deposit HK$14.94M · loan HK$14.94M · min. income ≈ HK$159,780/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$1,269,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,757
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$84,300
−HK$2,584/mo
Today · 4.125%
HK$86,884
baseline
▲ 0.50% · 4.625%
HK$92,171
+HK$5,287/mo
Deposit HK$11.95M · loan HK$17.93M · min. income ≈ HK$173,768/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,269,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,954
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$93,393
−HK$2,475/mo
Today · 4.125%
HK$95,868
baseline
▲ 0.50% · 4.625%
HK$100,921
+HK$5,053/mo
Deposit HK$11.95M · loan HK$17.93M · min. income ≈ HK$191,736/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,269,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,383
−HK$5,982/mo
▼ 0.25% · 3.875%
HK$98,350
−HK$3,015/mo
Today · 4.125%
HK$101,365
baseline
▲ 0.50% · 4.625%
HK$107,532
+HK$6,167/mo
Deposit HK$8.96M · loan HK$20.92M · min. income ≈ HK$202,730/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$1,269,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,113
−HK$5,733/mo
▼ 0.25% · 3.875%
HK$108,959
−HK$2,887/mo
Today · 4.125%
HK$111,846
baseline
▲ 0.50% · 4.625%
HK$117,741
+HK$5,895/mo
Deposit HK$8.96M · loan HK$20.92M · min. income ≈ HK$223,692/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$1,269,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,636
−HK$7,690/mo
▼ 0.25% · 3.875%
HK$126,450
−HK$3,876/mo
Today · 4.125%
HK$130,326
baseline
▲ 0.50% · 4.625%
HK$138,256
+HK$7,930/mo
Deposit HK$2.99M · loan HK$26.89M · min. income ≈ HK$260,652/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,269,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,431
−HK$7,371/mo
▼ 0.25% · 3.875%
HK$140,090
−HK$3,712/mo
Today · 4.125%
HK$143,802
baseline
▲ 0.50% · 4.625%
HK$151,382
+HK$7,580/mo
Deposit HK$2.99M · loan HK$26.89M · min. income ≈ HK$287,604/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,269,841 · Scale 2, in force from 26 Feb 2026)