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$67,879
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$69,990
−HK$2,146/mo
Today · 4.125%
HK$72,136
baseline
▲ 0.50% · 4.625%
HK$76,525
+HK$4,389/mo
Deposit HK$14.88M · loan HK$14.88M · min. income ≈ HK$144,272/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,265,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,515
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$77,540
−HK$2,054/mo
Today · 4.125%
HK$79,594
baseline
▲ 0.50% · 4.625%
HK$83,790
+HK$4,196/mo
Deposit HK$14.88M · loan HK$14.88M · min. income ≈ HK$159,188/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,265,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,455
−HK$5,108/mo
▼ 0.25% · 3.875%
HK$83,988
−HK$2,575/mo
Today · 4.125%
HK$86,563
baseline
▲ 0.50% · 4.625%
HK$91,830
+HK$5,267/mo
Deposit HK$11.91M · loan HK$17.86M · min. income ≈ HK$173,126/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,265,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,618
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$93,048
−HK$2,465/mo
Today · 4.125%
HK$95,513
baseline
▲ 0.50% · 4.625%
HK$100,548
+HK$5,035/mo
Deposit HK$11.91M · loan HK$17.86M · min. income ≈ HK$191,026/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,265,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,031
−HK$5,959/mo
▼ 0.25% · 3.875%
HK$97,987
−HK$3,003/mo
Today · 4.125%
HK$100,990
baseline
▲ 0.50% · 4.625%
HK$107,135
+HK$6,145/mo
Deposit HK$8.93M · loan HK$20.84M · min. income ≈ HK$201,980/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,265,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,721
−HK$5,711/mo
▼ 0.25% · 3.875%
HK$108,556
−HK$2,876/mo
Today · 4.125%
HK$111,432
baseline
▲ 0.50% · 4.625%
HK$117,306
+HK$5,874/mo
Deposit HK$8.93M · loan HK$20.84M · min. income ≈ HK$222,864/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,265,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,182
−HK$7,662/mo
▼ 0.25% · 3.875%
HK$125,983
−HK$3,861/mo
Today · 4.125%
HK$129,844
baseline
▲ 0.50% · 4.625%
HK$137,745
+HK$7,901/mo
Deposit HK$2.98M · loan HK$26.79M · min. income ≈ HK$259,688/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,265,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,926
−HK$7,344/mo
▼ 0.25% · 3.875%
HK$139,572
−HK$3,698/mo
Today · 4.125%
HK$143,270
baseline
▲ 0.50% · 4.625%
HK$150,822
+HK$7,552/mo
Deposit HK$2.98M · loan HK$26.79M · min. income ≈ HK$286,540/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,265,146 · Scale 2, in force from 26 Feb 2026)