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$68,059
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$70,176
−HK$2,151/mo
Today · 4.125%
HK$72,327
baseline
▲ 0.50% · 4.625%
HK$76,728
+HK$4,401/mo
Deposit HK$14.92M · loan HK$14.92M · min. income ≈ HK$144,654/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,268,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,715
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$77,746
−HK$2,060/mo
Today · 4.125%
HK$79,806
baseline
▲ 0.50% · 4.625%
HK$84,013
+HK$4,207/mo
Deposit HK$14.92M · loan HK$14.92M · min. income ≈ HK$159,612/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,268,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,671
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$84,212
−HK$2,581/mo
Today · 4.125%
HK$86,793
baseline
▲ 0.50% · 4.625%
HK$92,074
+HK$5,281/mo
Deposit HK$11.94M · loan HK$17.91M · min. income ≈ HK$173,586/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,268,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,858
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$93,295
−HK$2,472/mo
Today · 4.125%
HK$95,767
baseline
▲ 0.50% · 4.625%
HK$100,815
+HK$5,048/mo
Deposit HK$11.94M · loan HK$17.91M · min. income ≈ HK$191,534/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,268,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,283
−HK$5,975/mo
▼ 0.25% · 3.875%
HK$98,247
−HK$3,011/mo
Today · 4.125%
HK$101,258
baseline
▲ 0.50% · 4.625%
HK$107,420
+HK$6,162/mo
Deposit HK$8.95M · loan HK$20.89M · min. income ≈ HK$202,516/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$1,268,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,002
−HK$5,726/mo
▼ 0.25% · 3.875%
HK$108,844
−HK$2,884/mo
Today · 4.125%
HK$111,728
baseline
▲ 0.50% · 4.625%
HK$117,618
+HK$5,890/mo
Deposit HK$8.95M · loan HK$20.89M · min. income ≈ HK$223,456/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$1,268,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,507
−HK$7,682/mo
▼ 0.25% · 3.875%
HK$126,318
−HK$3,871/mo
Today · 4.125%
HK$130,189
baseline
▲ 0.50% · 4.625%
HK$138,111
+HK$7,922/mo
Deposit HK$2.98M · loan HK$26.86M · min. income ≈ HK$260,378/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,268,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,288
−HK$7,363/mo
▼ 0.25% · 3.875%
HK$139,943
−HK$3,708/mo
Today · 4.125%
HK$143,651
baseline
▲ 0.50% · 4.625%
HK$151,223
+HK$7,572/mo
Deposit HK$2.98M · loan HK$26.86M · min. income ≈ HK$287,302/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,268,509 · Scale 2, in force from 26 Feb 2026)