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$68,219
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$70,341
−HK$2,156/mo
Today · 4.125%
HK$72,497
baseline
▲ 0.50% · 4.625%
HK$76,908
+HK$4,411/mo
Deposit HK$14.96M · loan HK$14.96M · min. income ≈ HK$144,994/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$1,271,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,893
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$77,928
−HK$2,065/mo
Today · 4.125%
HK$79,993
baseline
▲ 0.50% · 4.625%
HK$84,210
+HK$4,217/mo
Deposit HK$14.96M · loan HK$14.96M · min. income ≈ HK$159,986/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$1,271,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,863
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$84,409
−HK$2,587/mo
Today · 4.125%
HK$86,996
baseline
▲ 0.50% · 4.625%
HK$92,290
+HK$5,294/mo
Deposit HK$11.97M · loan HK$17.95M · min. income ≈ HK$173,992/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,271,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,072
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$93,514
−HK$2,478/mo
Today · 4.125%
HK$95,992
baseline
▲ 0.50% · 4.625%
HK$101,052
+HK$5,060/mo
Deposit HK$11.97M · loan HK$17.95M · min. income ≈ HK$191,984/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,271,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,507
−HK$5,989/mo
▼ 0.25% · 3.875%
HK$98,477
−HK$3,019/mo
Today · 4.125%
HK$101,496
baseline
▲ 0.50% · 4.625%
HK$107,672
+HK$6,176/mo
Deposit HK$8.98M · loan HK$20.94M · min. income ≈ HK$202,992/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,271,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,250
−HK$5,741/mo
▼ 0.25% · 3.875%
HK$109,100
−HK$2,891/mo
Today · 4.125%
HK$111,991
baseline
▲ 0.50% · 4.625%
HK$117,894
+HK$5,903/mo
Deposit HK$8.98M · loan HK$20.94M · min. income ≈ HK$223,982/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,271,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,794
−HK$7,701/mo
▼ 0.25% · 3.875%
HK$126,614
−HK$3,881/mo
Today · 4.125%
HK$130,495
baseline
▲ 0.50% · 4.625%
HK$138,435
+HK$7,940/mo
Deposit HK$2.99M · loan HK$26.93M · min. income ≈ HK$260,990/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,271,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,607
−HK$7,381/mo
▼ 0.25% · 3.875%
HK$140,271
−HK$3,717/mo
Today · 4.125%
HK$143,988
baseline
▲ 0.50% · 4.625%
HK$151,578
+HK$7,590/mo
Deposit HK$2.99M · loan HK$26.93M · min. income ≈ HK$287,976/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,271,484 · Scale 2, in force from 26 Feb 2026)