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$68,212
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$70,334
−HK$2,155/mo
Today · 4.125%
HK$72,489
baseline
▲ 0.50% · 4.625%
HK$76,900
+HK$4,411/mo
Deposit HK$14.96M · loan HK$14.96M · min. income ≈ HK$144,978/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$1,271,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,885
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$77,920
−HK$2,065/mo
Today · 4.125%
HK$79,985
baseline
▲ 0.50% · 4.625%
HK$84,201
+HK$4,216/mo
Deposit HK$14.96M · loan HK$14.96M · min. income ≈ HK$159,970/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$1,271,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,854
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$84,401
−HK$2,586/mo
Today · 4.125%
HK$86,987
baseline
▲ 0.50% · 4.625%
HK$92,280
+HK$5,293/mo
Deposit HK$11.97M · loan HK$17.95M · min. income ≈ HK$173,974/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,271,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,062
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$93,504
−HK$2,478/mo
Today · 4.125%
HK$95,982
baseline
▲ 0.50% · 4.625%
HK$101,041
+HK$5,059/mo
Deposit HK$11.97M · loan HK$17.95M · min. income ≈ HK$191,964/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,271,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,497
−HK$5,988/mo
▼ 0.25% · 3.875%
HK$98,467
−HK$3,018/mo
Today · 4.125%
HK$101,485
baseline
▲ 0.50% · 4.625%
HK$107,660
+HK$6,175/mo
Deposit HK$8.97M · loan HK$20.94M · min. income ≈ HK$202,970/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,271,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,239
−HK$5,740/mo
▼ 0.25% · 3.875%
HK$109,088
−HK$2,891/mo
Today · 4.125%
HK$111,979
baseline
▲ 0.50% · 4.625%
HK$117,882
+HK$5,903/mo
Deposit HK$8.97M · loan HK$20.94M · min. income ≈ HK$223,958/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,271,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,782
−HK$7,699/mo
▼ 0.25% · 3.875%
HK$126,601
−HK$3,880/mo
Today · 4.125%
HK$130,481
baseline
▲ 0.50% · 4.625%
HK$138,421
+HK$7,940/mo
Deposit HK$2.99M · loan HK$26.92M · min. income ≈ HK$260,962/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,271,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,593
−HK$7,380/mo
▼ 0.25% · 3.875%
HK$140,257
−HK$3,716/mo
Today · 4.125%
HK$143,973
baseline
▲ 0.50% · 4.625%
HK$151,562
+HK$7,589/mo
Deposit HK$2.99M · loan HK$26.92M · min. income ≈ HK$287,946/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,271,353 · Scale 2, in force from 26 Feb 2026)