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$68,263
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$70,386
−HK$2,158/mo
Today · 4.125%
HK$72,544
baseline
▲ 0.50% · 4.625%
HK$76,958
+HK$4,414/mo
Deposit HK$14.97M · loan HK$14.97M · min. income ≈ HK$145,088/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,272,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,942
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$77,978
−HK$2,067/mo
Today · 4.125%
HK$80,045
baseline
▲ 0.50% · 4.625%
HK$84,264
+HK$4,219/mo
Deposit HK$14.97M · loan HK$14.97M · min. income ≈ HK$160,090/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,272,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,915
−HK$5,137/mo
▼ 0.25% · 3.875%
HK$84,463
−HK$2,589/mo
Today · 4.125%
HK$87,052
baseline
▲ 0.50% · 4.625%
HK$92,349
+HK$5,297/mo
Deposit HK$11.97M · loan HK$17.96M · min. income ≈ HK$174,104/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,272,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,130
−HK$4,924/mo
▼ 0.25% · 3.875%
HK$93,574
−HK$2,480/mo
Today · 4.125%
HK$96,054
baseline
▲ 0.50% · 4.625%
HK$101,117
+HK$5,063/mo
Deposit HK$11.97M · loan HK$17.96M · min. income ≈ HK$192,108/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,272,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,568
−HK$5,993/mo
▼ 0.25% · 3.875%
HK$98,541
−HK$3,020/mo
Today · 4.125%
HK$101,561
baseline
▲ 0.50% · 4.625%
HK$107,741
+HK$6,180/mo
Deposit HK$8.98M · loan HK$20.96M · min. income ≈ HK$203,122/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,272,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,318
−HK$5,744/mo
▼ 0.25% · 3.875%
HK$109,170
−HK$2,892/mo
Today · 4.125%
HK$112,062
baseline
▲ 0.50% · 4.625%
HK$117,969
+HK$5,907/mo
Deposit HK$8.98M · loan HK$20.96M · min. income ≈ HK$224,124/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,272,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,873
−HK$7,705/mo
▼ 0.25% · 3.875%
HK$126,695
−HK$3,883/mo
Today · 4.125%
HK$130,578
baseline
▲ 0.50% · 4.625%
HK$138,524
+HK$7,946/mo
Deposit HK$2.99M · loan HK$26.94M · min. income ≈ HK$261,156/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,272,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,695
−HK$7,385/mo
▼ 0.25% · 3.875%
HK$140,361
−HK$3,719/mo
Today · 4.125%
HK$144,080
baseline
▲ 0.50% · 4.625%
HK$151,675
+HK$7,595/mo
Deposit HK$2.99M · loan HK$26.94M · min. income ≈ HK$288,160/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,272,300 · Scale 2, in force from 26 Feb 2026)