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$68,235
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$70,357
−HK$2,156/mo
Today · 4.125%
HK$72,513
baseline
▲ 0.50% · 4.625%
HK$76,926
+HK$4,413/mo
Deposit HK$14.96M · loan HK$14.96M · min. income ≈ HK$145,026/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$1,271,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,910
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$77,946
−HK$2,065/mo
Today · 4.125%
HK$80,011
baseline
▲ 0.50% · 4.625%
HK$84,229
+HK$4,218/mo
Deposit HK$14.96M · loan HK$14.96M · min. income ≈ HK$160,022/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$1,271,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,881
−HK$5,135/mo
▼ 0.25% · 3.875%
HK$84,428
−HK$2,588/mo
Today · 4.125%
HK$87,016
baseline
▲ 0.50% · 4.625%
HK$92,311
+HK$5,295/mo
Deposit HK$11.97M · loan HK$17.95M · min. income ≈ HK$174,032/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,271,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,092
−HK$4,922/mo
▼ 0.25% · 3.875%
HK$93,535
−HK$2,479/mo
Today · 4.125%
HK$96,014
baseline
▲ 0.50% · 4.625%
HK$101,075
+HK$5,061/mo
Deposit HK$11.97M · loan HK$17.95M · min. income ≈ HK$192,028/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,271,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,528
−HK$5,991/mo
▼ 0.25% · 3.875%
HK$98,500
−HK$3,019/mo
Today · 4.125%
HK$101,519
baseline
▲ 0.50% · 4.625%
HK$107,696
+HK$6,177/mo
Deposit HK$8.98M · loan HK$20.95M · min. income ≈ HK$203,038/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,271,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,274
−HK$5,742/mo
▼ 0.25% · 3.875%
HK$109,125
−HK$2,891/mo
Today · 4.125%
HK$112,016
baseline
▲ 0.50% · 4.625%
HK$117,921
+HK$5,905/mo
Deposit HK$8.98M · loan HK$20.95M · min. income ≈ HK$224,032/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,271,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,822
−HK$7,702/mo
▼ 0.25% · 3.875%
HK$126,643
−HK$3,881/mo
Today · 4.125%
HK$130,524
baseline
▲ 0.50% · 4.625%
HK$138,466
+HK$7,942/mo
Deposit HK$2.99M · loan HK$26.93M · min. income ≈ HK$261,048/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,271,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,638
−HK$7,383/mo
▼ 0.25% · 3.875%
HK$140,303
−HK$3,718/mo
Today · 4.125%
HK$144,021
baseline
▲ 0.50% · 4.625%
HK$151,612
+HK$7,591/mo
Deposit HK$2.99M · loan HK$26.93M · min. income ≈ HK$288,042/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,271,773 · Scale 2, in force from 26 Feb 2026)