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$67,966
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$70,080
−HK$2,148/mo
Today · 4.125%
HK$72,228
baseline
▲ 0.50% · 4.625%
HK$76,623
+HK$4,395/mo
Deposit HK$14.90M · loan HK$14.90M · min. income ≈ HK$144,456/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,266,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,611
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$77,639
−HK$2,057/mo
Today · 4.125%
HK$79,696
baseline
▲ 0.50% · 4.625%
HK$83,897
+HK$4,201/mo
Deposit HK$14.90M · loan HK$14.90M · min. income ≈ HK$159,392/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,266,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,559
−HK$5,115/mo
▼ 0.25% · 3.875%
HK$84,096
−HK$2,578/mo
Today · 4.125%
HK$86,674
baseline
▲ 0.50% · 4.625%
HK$91,947
+HK$5,273/mo
Deposit HK$11.92M · loan HK$17.88M · min. income ≈ HK$173,348/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,266,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,734
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$93,167
−HK$2,469/mo
Today · 4.125%
HK$95,636
baseline
▲ 0.50% · 4.625%
HK$100,677
+HK$5,041/mo
Deposit HK$11.92M · loan HK$17.88M · min. income ≈ HK$191,272/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,266,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,152
−HK$5,967/mo
▼ 0.25% · 3.875%
HK$98,112
−HK$3,007/mo
Today · 4.125%
HK$101,119
baseline
▲ 0.50% · 4.625%
HK$107,272
+HK$6,153/mo
Deposit HK$8.94M · loan HK$20.86M · min. income ≈ HK$202,238/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$1,266,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,856
−HK$5,719/mo
▼ 0.25% · 3.875%
HK$108,695
−HK$2,880/mo
Today · 4.125%
HK$111,575
baseline
▲ 0.50% · 4.625%
HK$117,456
+HK$5,881/mo
Deposit HK$8.94M · loan HK$20.86M · min. income ≈ HK$223,150/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$1,266,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,339
−HK$7,671/mo
▼ 0.25% · 3.875%
HK$126,144
−HK$3,866/mo
Today · 4.125%
HK$130,010
baseline
▲ 0.50% · 4.625%
HK$137,921
+HK$7,911/mo
Deposit HK$2.98M · loan HK$26.83M · min. income ≈ HK$260,020/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,266,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,101
−HK$7,353/mo
▼ 0.25% · 3.875%
HK$139,751
−HK$3,703/mo
Today · 4.125%
HK$143,454
baseline
▲ 0.50% · 4.625%
HK$151,015
+HK$7,561/mo
Deposit HK$2.98M · loan HK$26.83M · min. income ≈ HK$286,908/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,266,767 · Scale 2, in force from 26 Feb 2026)