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$68,287
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$70,411
−HK$2,158/mo
Today · 4.125%
HK$72,569
baseline
▲ 0.50% · 4.625%
HK$76,985
+HK$4,416/mo
Deposit HK$14.97M · loan HK$14.97M · min. income ≈ HK$145,138/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,272,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,969
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$78,006
−HK$2,067/mo
Today · 4.125%
HK$80,073
baseline
▲ 0.50% · 4.625%
HK$84,294
+HK$4,221/mo
Deposit HK$14.97M · loan HK$14.97M · min. income ≈ HK$160,146/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,272,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,945
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$84,494
−HK$2,589/mo
Today · 4.125%
HK$87,083
baseline
▲ 0.50% · 4.625%
HK$92,382
+HK$5,299/mo
Deposit HK$11.98M · loan HK$17.97M · min. income ≈ HK$174,166/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,272,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,163
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$93,608
−HK$2,480/mo
Today · 4.125%
HK$96,088
baseline
▲ 0.50% · 4.625%
HK$101,153
+HK$5,065/mo
Deposit HK$11.98M · loan HK$17.97M · min. income ≈ HK$192,176/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,272,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,602
−HK$5,995/mo
▼ 0.25% · 3.875%
HK$98,576
−HK$3,021/mo
Today · 4.125%
HK$101,597
baseline
▲ 0.50% · 4.625%
HK$107,779
+HK$6,182/mo
Deposit HK$8.98M · loan HK$20.96M · min. income ≈ HK$203,194/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,272,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,356
−HK$5,747/mo
▼ 0.25% · 3.875%
HK$109,209
−HK$2,894/mo
Today · 4.125%
HK$112,103
baseline
▲ 0.50% · 4.625%
HK$118,012
+HK$5,909/mo
Deposit HK$8.98M · loan HK$20.96M · min. income ≈ HK$224,206/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,272,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,917
−HK$7,708/mo
▼ 0.25% · 3.875%
HK$126,740
−HK$3,885/mo
Today · 4.125%
HK$130,625
baseline
▲ 0.50% · 4.625%
HK$138,573
+HK$7,948/mo
Deposit HK$2.99M · loan HK$26.95M · min. income ≈ HK$261,250/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,272,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,744
−HK$7,388/mo
▼ 0.25% · 3.875%
HK$140,411
−HK$3,721/mo
Today · 4.125%
HK$144,132
baseline
▲ 0.50% · 4.625%
HK$151,729
+HK$7,597/mo
Deposit HK$2.99M · loan HK$26.95M · min. income ≈ HK$288,264/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,272,755 · Scale 2, in force from 26 Feb 2026)