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$68,274
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$70,398
−HK$2,158/mo
Today · 4.125%
HK$72,556
baseline
▲ 0.50% · 4.625%
HK$76,970
+HK$4,414/mo
Deposit HK$14.97M · loan HK$14.97M · min. income ≈ HK$145,112/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,272,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,954
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$77,991
−HK$2,067/mo
Today · 4.125%
HK$80,058
baseline
▲ 0.50% · 4.625%
HK$84,278
+HK$4,220/mo
Deposit HK$14.97M · loan HK$14.97M · min. income ≈ HK$160,116/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,272,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,929
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$84,477
−HK$2,590/mo
Today · 4.125%
HK$87,067
baseline
▲ 0.50% · 4.625%
HK$92,364
+HK$5,297/mo
Deposit HK$11.98M · loan HK$17.96M · min. income ≈ HK$174,134/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,272,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,145
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$93,590
−HK$2,480/mo
Today · 4.125%
HK$96,070
baseline
▲ 0.50% · 4.625%
HK$101,133
+HK$5,063/mo
Deposit HK$11.98M · loan HK$17.96M · min. income ≈ HK$192,140/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,272,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,584
−HK$5,994/mo
▼ 0.25% · 3.875%
HK$98,557
−HK$3,021/mo
Today · 4.125%
HK$101,578
baseline
▲ 0.50% · 4.625%
HK$107,759
+HK$6,181/mo
Deposit HK$8.98M · loan HK$20.96M · min. income ≈ HK$203,156/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,272,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,336
−HK$5,745/mo
▼ 0.25% · 3.875%
HK$109,188
−HK$2,893/mo
Today · 4.125%
HK$112,081
baseline
▲ 0.50% · 4.625%
HK$117,989
+HK$5,908/mo
Deposit HK$8.98M · loan HK$20.96M · min. income ≈ HK$224,162/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,272,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,894
−HK$7,706/mo
▼ 0.25% · 3.875%
HK$126,716
−HK$3,884/mo
Today · 4.125%
HK$130,600
baseline
▲ 0.50% · 4.625%
HK$138,547
+HK$7,947/mo
Deposit HK$2.99M · loan HK$26.95M · min. income ≈ HK$261,200/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,272,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,718
−HK$7,386/mo
▼ 0.25% · 3.875%
HK$140,385
−HK$3,719/mo
Today · 4.125%
HK$144,104
baseline
▲ 0.50% · 4.625%
HK$151,700
+HK$7,596/mo
Deposit HK$2.99M · loan HK$26.95M · min. income ≈ HK$288,208/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,272,512 · Scale 2, in force from 26 Feb 2026)