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$68,048
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$70,165
−HK$2,150/mo
Today · 4.125%
HK$72,315
baseline
▲ 0.50% · 4.625%
HK$76,716
+HK$4,401/mo
Deposit HK$14.92M · loan HK$14.92M · min. income ≈ HK$144,630/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,268,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,703
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$77,733
−HK$2,060/mo
Today · 4.125%
HK$79,793
baseline
▲ 0.50% · 4.625%
HK$83,999
+HK$4,206/mo
Deposit HK$14.92M · loan HK$14.92M · min. income ≈ HK$159,586/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,268,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,658
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$84,198
−HK$2,581/mo
Today · 4.125%
HK$86,779
baseline
▲ 0.50% · 4.625%
HK$92,059
+HK$5,280/mo
Deposit HK$11.94M · loan HK$17.91M · min. income ≈ HK$173,558/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,268,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,844
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$93,280
−HK$2,472/mo
Today · 4.125%
HK$95,752
baseline
▲ 0.50% · 4.625%
HK$100,799
+HK$5,047/mo
Deposit HK$11.94M · loan HK$17.91M · min. income ≈ HK$191,504/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,268,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,268
−HK$5,974/mo
▼ 0.25% · 3.875%
HK$98,231
−HK$3,011/mo
Today · 4.125%
HK$101,242
baseline
▲ 0.50% · 4.625%
HK$107,402
+HK$6,160/mo
Deposit HK$8.95M · loan HK$20.89M · min. income ≈ HK$202,484/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$1,268,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,984
−HK$5,726/mo
▼ 0.25% · 3.875%
HK$108,827
−HK$2,883/mo
Today · 4.125%
HK$111,710
baseline
▲ 0.50% · 4.625%
HK$117,599
+HK$5,889/mo
Deposit HK$8.95M · loan HK$20.89M · min. income ≈ HK$223,420/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$1,268,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,487
−HK$7,681/mo
▼ 0.25% · 3.875%
HK$126,297
−HK$3,871/mo
Today · 4.125%
HK$130,168
baseline
▲ 0.50% · 4.625%
HK$138,088
+HK$7,920/mo
Deposit HK$2.98M · loan HK$26.86M · min. income ≈ HK$260,336/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,268,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,265
−HK$7,362/mo
▼ 0.25% · 3.875%
HK$139,920
−HK$3,707/mo
Today · 4.125%
HK$143,627
baseline
▲ 0.50% · 4.625%
HK$151,198
+HK$7,571/mo
Deposit HK$2.98M · loan HK$26.86M · min. income ≈ HK$287,254/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,268,301 · Scale 2, in force from 26 Feb 2026)