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$68,059
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$70,176
−HK$2,150/mo
Today · 4.125%
HK$72,326
baseline
▲ 0.50% · 4.625%
HK$76,727
+HK$4,401/mo
Deposit HK$14.92M · loan HK$14.92M · min. income ≈ HK$144,652/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,268,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,715
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$77,745
−HK$2,060/mo
Today · 4.125%
HK$79,805
baseline
▲ 0.50% · 4.625%
HK$84,012
+HK$4,207/mo
Deposit HK$14.92M · loan HK$14.92M · min. income ≈ HK$159,610/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,268,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,670
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$84,211
−HK$2,581/mo
Today · 4.125%
HK$86,792
baseline
▲ 0.50% · 4.625%
HK$92,073
+HK$5,281/mo
Deposit HK$11.94M · loan HK$17.91M · min. income ≈ HK$173,584/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,268,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,857
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$93,294
−HK$2,472/mo
Today · 4.125%
HK$95,766
baseline
▲ 0.50% · 4.625%
HK$100,814
+HK$5,048/mo
Deposit HK$11.94M · loan HK$17.91M · min. income ≈ HK$191,532/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,268,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,282
−HK$5,975/mo
▼ 0.25% · 3.875%
HK$98,246
−HK$3,011/mo
Today · 4.125%
HK$101,257
baseline
▲ 0.50% · 4.625%
HK$107,418
+HK$6,161/mo
Deposit HK$8.95M · loan HK$20.89M · min. income ≈ HK$202,514/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$1,268,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,000
−HK$5,727/mo
▼ 0.25% · 3.875%
HK$108,843
−HK$2,884/mo
Today · 4.125%
HK$111,727
baseline
▲ 0.50% · 4.625%
HK$117,616
+HK$5,889/mo
Deposit HK$8.95M · loan HK$20.89M · min. income ≈ HK$223,454/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$1,268,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,506
−HK$7,682/mo
▼ 0.25% · 3.875%
HK$126,316
−HK$3,872/mo
Today · 4.125%
HK$130,188
baseline
▲ 0.50% · 4.625%
HK$138,109
+HK$7,921/mo
Deposit HK$2.98M · loan HK$26.86M · min. income ≈ HK$260,376/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,268,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,286
−HK$7,363/mo
▼ 0.25% · 3.875%
HK$139,941
−HK$3,708/mo
Today · 4.125%
HK$143,649
baseline
▲ 0.50% · 4.625%
HK$151,221
+HK$7,572/mo
Deposit HK$2.98M · loan HK$26.86M · min. income ≈ HK$287,298/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,268,494 · Scale 2, in force from 26 Feb 2026)