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$68,023
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$70,138
−HK$2,150/mo
Today · 4.125%
HK$72,288
baseline
▲ 0.50% · 4.625%
HK$76,687
+HK$4,399/mo
Deposit HK$14.92M · loan HK$14.92M · min. income ≈ HK$144,576/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$1,267,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,674
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$77,704
−HK$2,059/mo
Today · 4.125%
HK$79,763
baseline
▲ 0.50% · 4.625%
HK$83,967
+HK$4,204/mo
Deposit HK$14.92M · loan HK$14.92M · min. income ≈ HK$159,526/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$1,267,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,627
−HK$5,119/mo
▼ 0.25% · 3.875%
HK$84,166
−HK$2,580/mo
Today · 4.125%
HK$86,746
baseline
▲ 0.50% · 4.625%
HK$92,024
+HK$5,278/mo
Deposit HK$11.93M · loan HK$17.90M · min. income ≈ HK$173,492/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,267,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,809
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$93,245
−HK$2,470/mo
Today · 4.125%
HK$95,715
baseline
▲ 0.50% · 4.625%
HK$100,761
+HK$5,046/mo
Deposit HK$11.93M · loan HK$17.90M · min. income ≈ HK$191,430/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,267,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,232
−HK$5,971/mo
▼ 0.25% · 3.875%
HK$98,194
−HK$3,009/mo
Today · 4.125%
HK$101,203
baseline
▲ 0.50% · 4.625%
HK$107,361
+HK$6,158/mo
Deposit HK$8.95M · loan HK$20.88M · min. income ≈ HK$202,406/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$1,267,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,944
−HK$5,724/mo
▼ 0.25% · 3.875%
HK$108,785
−HK$2,883/mo
Today · 4.125%
HK$111,668
baseline
▲ 0.50% · 4.625%
HK$117,554
+HK$5,886/mo
Deposit HK$8.95M · loan HK$20.88M · min. income ≈ HK$223,336/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$1,267,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,441
−HK$7,678/mo
▼ 0.25% · 3.875%
HK$126,249
−HK$3,870/mo
Today · 4.125%
HK$130,119
baseline
▲ 0.50% · 4.625%
HK$138,036
+HK$7,917/mo
Deposit HK$2.98M · loan HK$26.85M · min. income ≈ HK$260,238/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,267,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,214
−HK$7,359/mo
▼ 0.25% · 3.875%
HK$139,867
−HK$3,706/mo
Today · 4.125%
HK$143,573
baseline
▲ 0.50% · 4.625%
HK$151,141
+HK$7,568/mo
Deposit HK$2.98M · loan HK$26.85M · min. income ≈ HK$287,146/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,267,821 · Scale 2, in force from 26 Feb 2026)