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$68,079
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$70,197
−HK$2,151/mo
Today · 4.125%
HK$72,348
baseline
▲ 0.50% · 4.625%
HK$76,750
+HK$4,402/mo
Deposit HK$14.93M · loan HK$14.93M · min. income ≈ HK$144,696/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,268,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,737
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$77,768
−HK$2,061/mo
Today · 4.125%
HK$79,829
baseline
▲ 0.50% · 4.625%
HK$84,037
+HK$4,208/mo
Deposit HK$14.93M · loan HK$14.93M · min. income ≈ HK$159,658/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,268,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,695
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$84,236
−HK$2,582/mo
Today · 4.125%
HK$86,818
baseline
▲ 0.50% · 4.625%
HK$92,100
+HK$5,282/mo
Deposit HK$11.94M · loan HK$17.91M · min. income ≈ HK$173,636/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,268,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,884
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$93,322
−HK$2,473/mo
Today · 4.125%
HK$95,795
baseline
▲ 0.50% · 4.625%
HK$100,844
+HK$5,049/mo
Deposit HK$11.94M · loan HK$17.91M · min. income ≈ HK$191,590/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,268,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,310
−HK$5,977/mo
▼ 0.25% · 3.875%
HK$98,275
−HK$3,012/mo
Today · 4.125%
HK$101,287
baseline
▲ 0.50% · 4.625%
HK$107,450
+HK$6,163/mo
Deposit HK$8.96M · loan HK$20.90M · min. income ≈ HK$202,574/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$1,268,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,032
−HK$5,728/mo
▼ 0.25% · 3.875%
HK$108,876
−HK$2,884/mo
Today · 4.125%
HK$111,760
baseline
▲ 0.50% · 4.625%
HK$117,651
+HK$5,891/mo
Deposit HK$8.96M · loan HK$20.90M · min. income ≈ HK$223,520/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$1,268,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,542
−HK$7,684/mo
▼ 0.25% · 3.875%
HK$126,354
−HK$3,872/mo
Today · 4.125%
HK$130,226
baseline
▲ 0.50% · 4.625%
HK$138,150
+HK$7,924/mo
Deposit HK$2.99M · loan HK$26.87M · min. income ≈ HK$260,452/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,268,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,327
−HK$7,365/mo
▼ 0.25% · 3.875%
HK$139,983
−HK$3,709/mo
Today · 4.125%
HK$143,692
baseline
▲ 0.50% · 4.625%
HK$151,266
+HK$7,574/mo
Deposit HK$2.99M · loan HK$26.87M · min. income ≈ HK$287,384/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,268,872 · Scale 2, in force from 26 Feb 2026)