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$68,056
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$70,172
−HK$2,151/mo
Today · 4.125%
HK$72,323
baseline
▲ 0.50% · 4.625%
HK$76,724
+HK$4,401/mo
Deposit HK$14.92M · loan HK$14.92M · min. income ≈ HK$144,646/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,268,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,711
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$77,742
−HK$2,059/mo
Today · 4.125%
HK$79,801
baseline
▲ 0.50% · 4.625%
HK$84,008
+HK$4,207/mo
Deposit HK$14.92M · loan HK$14.92M · min. income ≈ HK$159,602/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,268,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,667
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$84,207
−HK$2,581/mo
Today · 4.125%
HK$86,788
baseline
▲ 0.50% · 4.625%
HK$92,069
+HK$5,281/mo
Deposit HK$11.94M · loan HK$17.91M · min. income ≈ HK$173,576/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,268,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,853
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$93,290
−HK$2,472/mo
Today · 4.125%
HK$95,762
baseline
▲ 0.50% · 4.625%
HK$100,810
+HK$5,048/mo
Deposit HK$11.94M · loan HK$17.91M · min. income ≈ HK$191,524/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,268,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,278
−HK$5,974/mo
▼ 0.25% · 3.875%
HK$98,241
−HK$3,011/mo
Today · 4.125%
HK$101,252
baseline
▲ 0.50% · 4.625%
HK$107,413
+HK$6,161/mo
Deposit HK$8.95M · loan HK$20.89M · min. income ≈ HK$202,504/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$1,268,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,995
−HK$5,727/mo
▼ 0.25% · 3.875%
HK$108,838
−HK$2,884/mo
Today · 4.125%
HK$111,722
baseline
▲ 0.50% · 4.625%
HK$117,611
+HK$5,889/mo
Deposit HK$8.95M · loan HK$20.89M · min. income ≈ HK$223,444/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$1,268,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,500
−HK$7,682/mo
▼ 0.25% · 3.875%
HK$126,310
−HK$3,872/mo
Today · 4.125%
HK$130,182
baseline
▲ 0.50% · 4.625%
HK$138,103
+HK$7,921/mo
Deposit HK$2.98M · loan HK$26.86M · min. income ≈ HK$260,364/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,268,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,280
−HK$7,363/mo
▼ 0.25% · 3.875%
HK$139,935
−HK$3,708/mo
Today · 4.125%
HK$143,643
baseline
▲ 0.50% · 4.625%
HK$151,214
+HK$7,571/mo
Deposit HK$2.98M · loan HK$26.86M · min. income ≈ HK$287,286/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,268,436 · Scale 2, in force from 26 Feb 2026)