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$68,261
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$70,384
−HK$2,157/mo
Today · 4.125%
HK$72,541
baseline
▲ 0.50% · 4.625%
HK$76,955
+HK$4,414/mo
Deposit HK$14.97M · loan HK$14.97M · min. income ≈ HK$145,082/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,272,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,939
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$77,976
−HK$2,066/mo
Today · 4.125%
HK$80,042
baseline
▲ 0.50% · 4.625%
HK$84,261
+HK$4,219/mo
Deposit HK$14.97M · loan HK$14.97M · min. income ≈ HK$160,084/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,272,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,913
−HK$5,137/mo
▼ 0.25% · 3.875%
HK$84,461
−HK$2,589/mo
Today · 4.125%
HK$87,050
baseline
▲ 0.50% · 4.625%
HK$92,346
+HK$5,296/mo
Deposit HK$11.97M · loan HK$17.96M · min. income ≈ HK$174,100/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,272,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,127
−HK$4,924/mo
▼ 0.25% · 3.875%
HK$93,571
−HK$2,480/mo
Today · 4.125%
HK$96,051
baseline
▲ 0.50% · 4.625%
HK$101,114
+HK$5,063/mo
Deposit HK$11.97M · loan HK$17.96M · min. income ≈ HK$192,102/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,272,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,565
−HK$5,993/mo
▼ 0.25% · 3.875%
HK$98,538
−HK$3,020/mo
Today · 4.125%
HK$101,558
baseline
▲ 0.50% · 4.625%
HK$107,737
+HK$6,179/mo
Deposit HK$8.98M · loan HK$20.95M · min. income ≈ HK$203,116/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,272,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,315
−HK$5,744/mo
▼ 0.25% · 3.875%
HK$109,167
−HK$2,892/mo
Today · 4.125%
HK$112,059
baseline
▲ 0.50% · 4.625%
HK$117,966
+HK$5,907/mo
Deposit HK$8.98M · loan HK$20.95M · min. income ≈ HK$224,118/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,272,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,869
−HK$7,705/mo
▼ 0.25% · 3.875%
HK$126,691
−HK$3,883/mo
Today · 4.125%
HK$130,574
baseline
▲ 0.50% · 4.625%
HK$138,520
+HK$7,946/mo
Deposit HK$2.99M · loan HK$26.94M · min. income ≈ HK$261,148/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,272,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,691
−HK$7,385/mo
▼ 0.25% · 3.875%
HK$140,357
−HK$3,719/mo
Today · 4.125%
HK$144,076
baseline
▲ 0.50% · 4.625%
HK$151,670
+HK$7,594/mo
Deposit HK$2.99M · loan HK$26.94M · min. income ≈ HK$288,152/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,272,263 · Scale 2, in force from 26 Feb 2026)