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$68,066
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$70,183
−HK$2,151/mo
Today · 4.125%
HK$72,334
baseline
▲ 0.50% · 4.625%
HK$76,735
+HK$4,401/mo
Deposit HK$14.93M · loan HK$14.93M · min. income ≈ HK$144,668/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,268,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,723
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$77,753
−HK$2,061/mo
Today · 4.125%
HK$79,814
baseline
▲ 0.50% · 4.625%
HK$84,021
+HK$4,207/mo
Deposit HK$14.93M · loan HK$14.93M · min. income ≈ HK$159,628/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,268,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,679
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$84,220
−HK$2,581/mo
Today · 4.125%
HK$86,801
baseline
▲ 0.50% · 4.625%
HK$92,083
+HK$5,282/mo
Deposit HK$11.94M · loan HK$17.91M · min. income ≈ HK$173,602/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,268,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,867
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$93,304
−HK$2,472/mo
Today · 4.125%
HK$95,776
baseline
▲ 0.50% · 4.625%
HK$100,825
+HK$5,049/mo
Deposit HK$11.94M · loan HK$17.91M · min. income ≈ HK$191,552/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,268,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,292
−HK$5,976/mo
▼ 0.25% · 3.875%
HK$98,256
−HK$3,012/mo
Today · 4.125%
HK$101,268
baseline
▲ 0.50% · 4.625%
HK$107,430
+HK$6,162/mo
Deposit HK$8.96M · loan HK$20.90M · min. income ≈ HK$202,536/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$1,268,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,012
−HK$5,727/mo
▼ 0.25% · 3.875%
HK$108,855
−HK$2,884/mo
Today · 4.125%
HK$111,739
baseline
▲ 0.50% · 4.625%
HK$117,629
+HK$5,890/mo
Deposit HK$8.96M · loan HK$20.90M · min. income ≈ HK$223,478/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$1,268,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,518
−HK$7,683/mo
▼ 0.25% · 3.875%
HK$126,329
−HK$3,872/mo
Today · 4.125%
HK$130,201
baseline
▲ 0.50% · 4.625%
HK$138,124
+HK$7,923/mo
Deposit HK$2.99M · loan HK$26.87M · min. income ≈ HK$260,402/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,268,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,301
−HK$7,363/mo
▼ 0.25% · 3.875%
HK$139,956
−HK$3,708/mo
Today · 4.125%
HK$143,664
baseline
▲ 0.50% · 4.625%
HK$151,237
+HK$7,573/mo
Deposit HK$2.99M · loan HK$26.87M · min. income ≈ HK$287,328/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,268,628 · Scale 2, in force from 26 Feb 2026)