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$67,897
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$70,009
−HK$2,146/mo
Today · 4.125%
HK$72,155
baseline
▲ 0.50% · 4.625%
HK$76,546
+HK$4,391/mo
Deposit HK$14.89M · loan HK$14.89M · min. income ≈ HK$144,310/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,265,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,535
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$77,561
−HK$2,055/mo
Today · 4.125%
HK$79,616
baseline
▲ 0.50% · 4.625%
HK$83,813
+HK$4,197/mo
Deposit HK$14.89M · loan HK$14.89M · min. income ≈ HK$159,232/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,265,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,477
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$84,011
−HK$2,575/mo
Today · 4.125%
HK$86,586
baseline
▲ 0.50% · 4.625%
HK$91,855
+HK$5,269/mo
Deposit HK$11.91M · loan HK$17.87M · min. income ≈ HK$173,172/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,265,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,642
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$93,073
−HK$2,466/mo
Today · 4.125%
HK$95,539
baseline
▲ 0.50% · 4.625%
HK$100,575
+HK$5,036/mo
Deposit HK$11.91M · loan HK$17.87M · min. income ≈ HK$191,078/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,265,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,056
−HK$5,961/mo
▼ 0.25% · 3.875%
HK$98,013
−HK$3,004/mo
Today · 4.125%
HK$101,017
baseline
▲ 0.50% · 4.625%
HK$107,164
+HK$6,147/mo
Deposit HK$8.93M · loan HK$20.84M · min. income ≈ HK$202,034/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,265,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,749
−HK$5,714/mo
▼ 0.25% · 3.875%
HK$108,585
−HK$2,878/mo
Today · 4.125%
HK$111,463
baseline
▲ 0.50% · 4.625%
HK$117,338
+HK$5,875/mo
Deposit HK$8.93M · loan HK$20.84M · min. income ≈ HK$222,926/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,265,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,215
−HK$7,664/mo
▼ 0.25% · 3.875%
HK$126,017
−HK$3,862/mo
Today · 4.125%
HK$129,879
baseline
▲ 0.50% · 4.625%
HK$137,782
+HK$7,903/mo
Deposit HK$2.98M · loan HK$26.80M · min. income ≈ HK$259,758/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,265,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,963
−HK$7,346/mo
▼ 0.25% · 3.875%
HK$139,610
−HK$3,699/mo
Today · 4.125%
HK$143,309
baseline
▲ 0.50% · 4.625%
HK$150,863
+HK$7,554/mo
Deposit HK$2.98M · loan HK$26.80M · min. income ≈ HK$286,618/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,265,491 · Scale 2, in force from 26 Feb 2026)