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$67,874
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$69,985
−HK$2,145/mo
Today · 4.125%
HK$72,130
baseline
▲ 0.50% · 4.625%
HK$76,519
+HK$4,389/mo
Deposit HK$14.88M · loan HK$14.88M · min. income ≈ HK$144,260/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,265,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,509
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$77,534
−HK$2,054/mo
Today · 4.125%
HK$79,588
baseline
▲ 0.50% · 4.625%
HK$83,784
+HK$4,196/mo
Deposit HK$14.88M · loan HK$14.88M · min. income ≈ HK$159,176/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,265,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,448
−HK$5,108/mo
▼ 0.25% · 3.875%
HK$83,982
−HK$2,574/mo
Today · 4.125%
HK$86,556
baseline
▲ 0.50% · 4.625%
HK$91,823
+HK$5,267/mo
Deposit HK$11.91M · loan HK$17.86M · min. income ≈ HK$173,112/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,265,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,611
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$93,041
−HK$2,465/mo
Today · 4.125%
HK$95,506
baseline
▲ 0.50% · 4.625%
HK$100,540
+HK$5,034/mo
Deposit HK$11.91M · loan HK$17.86M · min. income ≈ HK$191,012/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,265,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,023
−HK$5,959/mo
▼ 0.25% · 3.875%
HK$97,979
−HK$3,003/mo
Today · 4.125%
HK$100,982
baseline
▲ 0.50% · 4.625%
HK$107,126
+HK$6,144/mo
Deposit HK$8.93M · loan HK$20.84M · min. income ≈ HK$201,964/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,265,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,712
−HK$5,712/mo
▼ 0.25% · 3.875%
HK$108,547
−HK$2,877/mo
Today · 4.125%
HK$111,424
baseline
▲ 0.50% · 4.625%
HK$117,297
+HK$5,873/mo
Deposit HK$8.93M · loan HK$20.84M · min. income ≈ HK$222,848/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,265,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,173
−HK$7,661/mo
▼ 0.25% · 3.875%
HK$125,973
−HK$3,861/mo
Today · 4.125%
HK$129,834
baseline
▲ 0.50% · 4.625%
HK$137,734
+HK$7,900/mo
Deposit HK$2.98M · loan HK$26.79M · min. income ≈ HK$259,668/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,265,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,916
−HK$7,343/mo
▼ 0.25% · 3.875%
HK$139,561
−HK$3,698/mo
Today · 4.125%
HK$143,259
baseline
▲ 0.50% · 4.625%
HK$150,810
+HK$7,551/mo
Deposit HK$2.98M · loan HK$26.79M · min. income ≈ HK$286,518/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,265,048 · Scale 2, in force from 26 Feb 2026)