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$68,068
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$70,186
−HK$2,151/mo
Today · 4.125%
HK$72,337
baseline
▲ 0.50% · 4.625%
HK$76,738
+HK$4,401/mo
Deposit HK$14.93M · loan HK$14.93M · min. income ≈ HK$144,674/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,268,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,725
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$77,756
−HK$2,061/mo
Today · 4.125%
HK$79,817
baseline
▲ 0.50% · 4.625%
HK$84,024
+HK$4,207/mo
Deposit HK$14.93M · loan HK$14.93M · min. income ≈ HK$159,634/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,268,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,682
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$84,223
−HK$2,581/mo
Today · 4.125%
HK$86,804
baseline
▲ 0.50% · 4.625%
HK$92,086
+HK$5,282/mo
Deposit HK$11.94M · loan HK$17.91M · min. income ≈ HK$173,608/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,268,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,871
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$93,308
−HK$2,472/mo
Today · 4.125%
HK$95,780
baseline
▲ 0.50% · 4.625%
HK$100,829
+HK$5,049/mo
Deposit HK$11.94M · loan HK$17.91M · min. income ≈ HK$191,560/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,268,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,296
−HK$5,976/mo
▼ 0.25% · 3.875%
HK$98,260
−HK$3,012/mo
Today · 4.125%
HK$101,272
baseline
▲ 0.50% · 4.625%
HK$107,434
+HK$6,162/mo
Deposit HK$8.96M · loan HK$20.90M · min. income ≈ HK$202,544/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$1,268,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,016
−HK$5,727/mo
▼ 0.25% · 3.875%
HK$108,859
−HK$2,884/mo
Today · 4.125%
HK$111,743
baseline
▲ 0.50% · 4.625%
HK$117,633
+HK$5,890/mo
Deposit HK$8.96M · loan HK$20.90M · min. income ≈ HK$223,486/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$1,268,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,523
−HK$7,683/mo
▼ 0.25% · 3.875%
HK$126,334
−HK$3,872/mo
Today · 4.125%
HK$130,206
baseline
▲ 0.50% · 4.625%
HK$138,129
+HK$7,923/mo
Deposit HK$2.99M · loan HK$26.87M · min. income ≈ HK$260,412/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,268,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,306
−HK$7,364/mo
▼ 0.25% · 3.875%
HK$139,961
−HK$3,709/mo
Today · 4.125%
HK$143,670
baseline
▲ 0.50% · 4.625%
HK$151,243
+HK$7,573/mo
Deposit HK$2.99M · loan HK$26.87M · min. income ≈ HK$287,340/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,268,677 · Scale 2, in force from 26 Feb 2026)