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$68,161
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$70,281
−HK$2,154/mo
Today · 4.125%
HK$72,435
baseline
▲ 0.50% · 4.625%
HK$76,843
+HK$4,408/mo
Deposit HK$14.95M · loan HK$14.95M · min. income ≈ HK$144,870/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,270,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,828
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$77,862
−HK$2,063/mo
Today · 4.125%
HK$79,925
baseline
▲ 0.50% · 4.625%
HK$84,138
+HK$4,213/mo
Deposit HK$14.95M · loan HK$14.95M · min. income ≈ HK$159,850/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,270,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,793
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$84,337
−HK$2,585/mo
Today · 4.125%
HK$86,922
baseline
▲ 0.50% · 4.625%
HK$92,211
+HK$5,289/mo
Deposit HK$11.96M · loan HK$17.94M · min. income ≈ HK$173,844/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,270,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,994
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$93,434
−HK$2,476/mo
Today · 4.125%
HK$95,910
baseline
▲ 0.50% · 4.625%
HK$100,966
+HK$5,056/mo
Deposit HK$11.96M · loan HK$17.94M · min. income ≈ HK$191,820/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,270,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,425
−HK$5,984/mo
▼ 0.25% · 3.875%
HK$98,394
−HK$3,015/mo
Today · 4.125%
HK$101,409
baseline
▲ 0.50% · 4.625%
HK$107,580
+HK$6,171/mo
Deposit HK$8.97M · loan HK$20.92M · min. income ≈ HK$202,818/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,270,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,160
−HK$5,735/mo
▼ 0.25% · 3.875%
HK$109,007
−HK$2,888/mo
Today · 4.125%
HK$111,895
baseline
▲ 0.50% · 4.625%
HK$117,793
+HK$5,898/mo
Deposit HK$8.97M · loan HK$20.92M · min. income ≈ HK$223,790/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,270,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,690
−HK$7,693/mo
▼ 0.25% · 3.875%
HK$126,506
−HK$3,877/mo
Today · 4.125%
HK$130,383
baseline
▲ 0.50% · 4.625%
HK$138,317
+HK$7,934/mo
Deposit HK$2.99M · loan HK$26.90M · min. income ≈ HK$260,766/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,270,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,491
−HK$7,374/mo
▼ 0.25% · 3.875%
HK$140,152
−HK$3,713/mo
Today · 4.125%
HK$143,865
baseline
▲ 0.50% · 4.625%
HK$151,448
+HK$7,583/mo
Deposit HK$2.99M · loan HK$26.90M · min. income ≈ HK$287,730/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,270,401 · Scale 2, in force from 26 Feb 2026)