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$67,958
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$70,072
−HK$2,148/mo
Today · 4.125%
HK$72,220
baseline
▲ 0.50% · 4.625%
HK$76,615
+HK$4,395/mo
Deposit HK$14.90M · loan HK$14.90M · min. income ≈ HK$144,440/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,266,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,603
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$77,631
−HK$2,057/mo
Today · 4.125%
HK$79,688
baseline
▲ 0.50% · 4.625%
HK$83,888
+HK$4,200/mo
Deposit HK$14.90M · loan HK$14.90M · min. income ≈ HK$159,376/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,266,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,550
−HK$5,114/mo
▼ 0.25% · 3.875%
HK$84,087
−HK$2,577/mo
Today · 4.125%
HK$86,664
baseline
▲ 0.50% · 4.625%
HK$91,937
+HK$5,273/mo
Deposit HK$11.92M · loan HK$17.88M · min. income ≈ HK$173,328/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,266,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,724
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$93,157
−HK$2,468/mo
Today · 4.125%
HK$95,625
baseline
▲ 0.50% · 4.625%
HK$100,666
+HK$5,041/mo
Deposit HK$11.92M · loan HK$17.88M · min. income ≈ HK$191,250/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,266,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,142
−HK$5,966/mo
▼ 0.25% · 3.875%
HK$98,101
−HK$3,007/mo
Today · 4.125%
HK$101,108
baseline
▲ 0.50% · 4.625%
HK$107,260
+HK$6,152/mo
Deposit HK$8.94M · loan HK$20.86M · min. income ≈ HK$202,216/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$1,266,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,844
−HK$5,719/mo
▼ 0.25% · 3.875%
HK$108,683
−HK$2,880/mo
Today · 4.125%
HK$111,563
baseline
▲ 0.50% · 4.625%
HK$117,443
+HK$5,880/mo
Deposit HK$8.94M · loan HK$20.86M · min. income ≈ HK$223,126/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$1,266,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,325
−HK$7,671/mo
▼ 0.25% · 3.875%
HK$126,130
−HK$3,866/mo
Today · 4.125%
HK$129,996
baseline
▲ 0.50% · 4.625%
HK$137,906
+HK$7,910/mo
Deposit HK$2.98M · loan HK$26.82M · min. income ≈ HK$259,992/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,266,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,086
−HK$7,352/mo
▼ 0.25% · 3.875%
HK$139,735
−HK$3,703/mo
Today · 4.125%
HK$143,438
baseline
▲ 0.50% · 4.625%
HK$150,999
+HK$7,561/mo
Deposit HK$2.98M · loan HK$26.82M · min. income ≈ HK$286,876/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,266,628 · Scale 2, in force from 26 Feb 2026)