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$68,294
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$70,418
−HK$2,158/mo
Today · 4.125%
HK$72,576
baseline
▲ 0.50% · 4.625%
HK$76,992
+HK$4,416/mo
Deposit HK$14.97M · loan HK$14.97M · min. income ≈ HK$145,152/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,272,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,976
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$78,014
−HK$2,067/mo
Today · 4.125%
HK$80,081
baseline
▲ 0.50% · 4.625%
HK$84,302
+HK$4,221/mo
Deposit HK$14.97M · loan HK$14.97M · min. income ≈ HK$160,162/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,272,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,952
−HK$5,139/mo
▼ 0.25% · 3.875%
HK$84,502
−HK$2,589/mo
Today · 4.125%
HK$87,091
baseline
▲ 0.50% · 4.625%
HK$92,391
+HK$5,300/mo
Deposit HK$11.98M · loan HK$17.97M · min. income ≈ HK$174,182/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,272,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,171
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$93,616
−HK$2,481/mo
Today · 4.125%
HK$96,097
baseline
▲ 0.50% · 4.625%
HK$101,162
+HK$5,065/mo
Deposit HK$11.98M · loan HK$17.97M · min. income ≈ HK$192,194/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,272,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,611
−HK$5,996/mo
▼ 0.25% · 3.875%
HK$98,585
−HK$3,022/mo
Today · 4.125%
HK$101,607
baseline
▲ 0.50% · 4.625%
HK$107,789
+HK$6,182/mo
Deposit HK$8.98M · loan HK$20.96M · min. income ≈ HK$203,214/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,272,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,366
−HK$5,747/mo
▼ 0.25% · 3.875%
HK$109,219
−HK$2,894/mo
Today · 4.125%
HK$112,113
baseline
▲ 0.50% · 4.625%
HK$118,023
+HK$5,910/mo
Deposit HK$8.98M · loan HK$20.96M · min. income ≈ HK$224,226/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,272,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,928
−HK$7,709/mo
▼ 0.25% · 3.875%
HK$126,752
−HK$3,885/mo
Today · 4.125%
HK$130,637
baseline
▲ 0.50% · 4.625%
HK$138,586
+HK$7,949/mo
Deposit HK$2.99M · loan HK$26.95M · min. income ≈ HK$261,274/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,272,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,757
−HK$7,388/mo
▼ 0.25% · 3.875%
HK$140,424
−HK$3,721/mo
Today · 4.125%
HK$144,145
baseline
▲ 0.50% · 4.625%
HK$151,743
+HK$7,598/mo
Deposit HK$2.99M · loan HK$26.95M · min. income ≈ HK$288,290/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,272,874 · Scale 2, in force from 26 Feb 2026)