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$68,233
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$70,356
−HK$2,156/mo
Today · 4.125%
HK$72,512
baseline
▲ 0.50% · 4.625%
HK$76,924
+HK$4,412/mo
Deposit HK$14.96M · loan HK$14.96M · min. income ≈ HK$145,024/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$1,271,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,909
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$77,945
−HK$2,065/mo
Today · 4.125%
HK$80,010
baseline
▲ 0.50% · 4.625%
HK$84,227
+HK$4,217/mo
Deposit HK$14.96M · loan HK$14.96M · min. income ≈ HK$160,020/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$1,271,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,880
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$84,427
−HK$2,587/mo
Today · 4.125%
HK$87,014
baseline
▲ 0.50% · 4.625%
HK$92,309
+HK$5,295/mo
Deposit HK$11.97M · loan HK$17.95M · min. income ≈ HK$174,028/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,271,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,091
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$93,534
−HK$2,478/mo
Today · 4.125%
HK$96,012
baseline
▲ 0.50% · 4.625%
HK$101,073
+HK$5,061/mo
Deposit HK$11.97M · loan HK$17.95M · min. income ≈ HK$192,024/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,271,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,527
−HK$5,990/mo
▼ 0.25% · 3.875%
HK$98,498
−HK$3,019/mo
Today · 4.125%
HK$101,517
baseline
▲ 0.50% · 4.625%
HK$107,694
+HK$6,177/mo
Deposit HK$8.98M · loan HK$20.95M · min. income ≈ HK$203,034/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,271,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,272
−HK$5,742/mo
▼ 0.25% · 3.875%
HK$109,122
−HK$2,892/mo
Today · 4.125%
HK$112,014
baseline
▲ 0.50% · 4.625%
HK$117,918
+HK$5,904/mo
Deposit HK$8.98M · loan HK$20.95M · min. income ≈ HK$224,028/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,271,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,820
−HK$7,702/mo
▼ 0.25% · 3.875%
HK$126,640
−HK$3,882/mo
Today · 4.125%
HK$130,522
baseline
▲ 0.50% · 4.625%
HK$138,464
+HK$7,942/mo
Deposit HK$2.99M · loan HK$26.93M · min. income ≈ HK$261,044/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,271,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,636
−HK$7,382/mo
▼ 0.25% · 3.875%
HK$140,300
−HK$3,718/mo
Today · 4.125%
HK$144,018
baseline
▲ 0.50% · 4.625%
HK$151,609
+HK$7,591/mo
Deposit HK$2.99M · loan HK$26.93M · min. income ≈ HK$288,036/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,271,749 · Scale 2, in force from 26 Feb 2026)