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$68,105
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$70,224
−HK$2,152/mo
Today · 4.125%
HK$72,376
baseline
▲ 0.50% · 4.625%
HK$76,780
+HK$4,404/mo
Deposit HK$14.93M · loan HK$14.93M · min. income ≈ HK$144,752/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,269,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,766
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$77,798
−HK$2,062/mo
Today · 4.125%
HK$79,860
baseline
▲ 0.50% · 4.625%
HK$84,069
+HK$4,209/mo
Deposit HK$14.93M · loan HK$14.93M · min. income ≈ HK$159,720/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,269,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,726
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$84,269
−HK$2,582/mo
Today · 4.125%
HK$86,851
baseline
▲ 0.50% · 4.625%
HK$92,136
+HK$5,285/mo
Deposit HK$11.95M · loan HK$17.92M · min. income ≈ HK$173,702/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,269,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,920
−HK$4,912/mo
▼ 0.25% · 3.875%
HK$93,358
−HK$2,474/mo
Today · 4.125%
HK$95,832
baseline
▲ 0.50% · 4.625%
HK$100,883
+HK$5,051/mo
Deposit HK$11.95M · loan HK$17.92M · min. income ≈ HK$191,664/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,269,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,347
−HK$5,980/mo
▼ 0.25% · 3.875%
HK$98,313
−HK$3,014/mo
Today · 4.125%
HK$101,327
baseline
▲ 0.50% · 4.625%
HK$107,492
+HK$6,165/mo
Deposit HK$8.96M · loan HK$20.91M · min. income ≈ HK$202,654/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$1,269,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,073
−HK$5,731/mo
▼ 0.25% · 3.875%
HK$108,918
−HK$2,886/mo
Today · 4.125%
HK$111,804
baseline
▲ 0.50% · 4.625%
HK$117,697
+HK$5,893/mo
Deposit HK$8.96M · loan HK$20.91M · min. income ≈ HK$223,608/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$1,269,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,590
−HK$7,687/mo
▼ 0.25% · 3.875%
HK$126,403
−HK$3,874/mo
Today · 4.125%
HK$130,277
baseline
▲ 0.50% · 4.625%
HK$138,204
+HK$7,927/mo
Deposit HK$2.99M · loan HK$26.88M · min. income ≈ HK$260,554/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,269,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,380
−HK$7,368/mo
▼ 0.25% · 3.875%
HK$140,037
−HK$3,711/mo
Today · 4.125%
HK$143,748
baseline
▲ 0.50% · 4.625%
HK$151,325
+HK$7,577/mo
Deposit HK$2.99M · loan HK$26.88M · min. income ≈ HK$287,496/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,269,365 · Scale 2, in force from 26 Feb 2026)