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$68,256
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$70,379
−HK$2,157/mo
Today · 4.125%
HK$72,536
baseline
▲ 0.50% · 4.625%
HK$76,950
+HK$4,414/mo
Deposit HK$14.97M · loan HK$14.97M · min. income ≈ HK$145,072/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,272,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,934
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$77,970
−HK$2,066/mo
Today · 4.125%
HK$80,036
baseline
▲ 0.50% · 4.625%
HK$84,255
+HK$4,219/mo
Deposit HK$14.97M · loan HK$14.97M · min. income ≈ HK$160,072/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,272,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,907
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$84,455
−HK$2,588/mo
Today · 4.125%
HK$87,043
baseline
▲ 0.50% · 4.625%
HK$92,340
+HK$5,297/mo
Deposit HK$11.97M · loan HK$17.96M · min. income ≈ HK$174,086/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,272,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,121
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$93,564
−HK$2,480/mo
Today · 4.125%
HK$96,044
baseline
▲ 0.50% · 4.625%
HK$101,106
+HK$5,062/mo
Deposit HK$11.97M · loan HK$17.96M · min. income ≈ HK$192,088/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,272,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,558
−HK$5,992/mo
▼ 0.25% · 3.875%
HK$98,531
−HK$3,019/mo
Today · 4.125%
HK$101,550
baseline
▲ 0.50% · 4.625%
HK$107,730
+HK$6,180/mo
Deposit HK$8.98M · loan HK$20.95M · min. income ≈ HK$203,100/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,272,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,307
−HK$5,744/mo
▼ 0.25% · 3.875%
HK$109,159
−HK$2,892/mo
Today · 4.125%
HK$112,051
baseline
▲ 0.50% · 4.625%
HK$117,957
+HK$5,906/mo
Deposit HK$8.98M · loan HK$20.95M · min. income ≈ HK$224,102/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,272,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,860
−HK$7,705/mo
▼ 0.25% · 3.875%
HK$126,682
−HK$3,883/mo
Today · 4.125%
HK$130,565
baseline
▲ 0.50% · 4.625%
HK$138,509
+HK$7,944/mo
Deposit HK$2.99M · loan HK$26.94M · min. income ≈ HK$261,130/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,272,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,681
−HK$7,384/mo
▼ 0.25% · 3.875%
HK$140,347
−HK$3,718/mo
Today · 4.125%
HK$144,065
baseline
▲ 0.50% · 4.625%
HK$151,659
+HK$7,594/mo
Deposit HK$2.99M · loan HK$26.94M · min. income ≈ HK$288,130/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,272,169 · Scale 2, in force from 26 Feb 2026)