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$67,941
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$70,054
−HK$2,147/mo
Today · 4.125%
HK$72,201
baseline
▲ 0.50% · 4.625%
HK$76,594
+HK$4,393/mo
Deposit HK$14.90M · loan HK$14.90M · min. income ≈ HK$144,402/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,266,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,583
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$77,610
−HK$2,057/mo
Today · 4.125%
HK$79,667
baseline
▲ 0.50% · 4.625%
HK$83,866
+HK$4,199/mo
Deposit HK$14.90M · loan HK$14.90M · min. income ≈ HK$159,334/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,266,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,529
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$84,065
−HK$2,576/mo
Today · 4.125%
HK$86,641
baseline
▲ 0.50% · 4.625%
HK$91,913
+HK$5,272/mo
Deposit HK$11.92M · loan HK$17.88M · min. income ≈ HK$173,282/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,266,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,700
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$93,132
−HK$2,468/mo
Today · 4.125%
HK$95,600
baseline
▲ 0.50% · 4.625%
HK$100,639
+HK$5,039/mo
Deposit HK$11.92M · loan HK$17.88M · min. income ≈ HK$191,200/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,266,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,117
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$98,075
−HK$3,006/mo
Today · 4.125%
HK$101,081
baseline
▲ 0.50% · 4.625%
HK$107,232
+HK$6,151/mo
Deposit HK$8.94M · loan HK$20.86M · min. income ≈ HK$202,162/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,266,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,816
−HK$5,717/mo
▼ 0.25% · 3.875%
HK$108,654
−HK$2,879/mo
Today · 4.125%
HK$111,533
baseline
▲ 0.50% · 4.625%
HK$117,412
+HK$5,879/mo
Deposit HK$8.94M · loan HK$20.86M · min. income ≈ HK$223,066/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,266,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,293
−HK$7,669/mo
▼ 0.25% · 3.875%
HK$126,097
−HK$3,865/mo
Today · 4.125%
HK$129,962
baseline
▲ 0.50% · 4.625%
HK$137,870
+HK$7,908/mo
Deposit HK$2.98M · loan HK$26.82M · min. income ≈ HK$259,924/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,266,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,050
−HK$7,350/mo
▼ 0.25% · 3.875%
HK$139,698
−HK$3,702/mo
Today · 4.125%
HK$143,400
baseline
▲ 0.50% · 4.625%
HK$150,959
+HK$7,559/mo
Deposit HK$2.98M · loan HK$26.82M · min. income ≈ HK$286,800/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,266,293 · Scale 2, in force from 26 Feb 2026)