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$68,253
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$70,376
−HK$2,157/mo
Today · 4.125%
HK$72,533
baseline
▲ 0.50% · 4.625%
HK$76,946
+HK$4,413/mo
Deposit HK$14.97M · loan HK$14.97M · min. income ≈ HK$145,066/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,272,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,931
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$77,967
−HK$2,066/mo
Today · 4.125%
HK$80,033
baseline
▲ 0.50% · 4.625%
HK$84,251
+HK$4,218/mo
Deposit HK$14.97M · loan HK$14.97M · min. income ≈ HK$160,066/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,272,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,903
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$84,451
−HK$2,588/mo
Today · 4.125%
HK$87,039
baseline
▲ 0.50% · 4.625%
HK$92,336
+HK$5,297/mo
Deposit HK$11.97M · loan HK$17.96M · min. income ≈ HK$174,078/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,272,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,117
−HK$4,922/mo
▼ 0.25% · 3.875%
HK$93,560
−HK$2,479/mo
Today · 4.125%
HK$96,039
baseline
▲ 0.50% · 4.625%
HK$101,102
+HK$5,063/mo
Deposit HK$11.97M · loan HK$17.96M · min. income ≈ HK$192,078/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,272,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,554
−HK$5,992/mo
▼ 0.25% · 3.875%
HK$98,526
−HK$3,020/mo
Today · 4.125%
HK$101,546
baseline
▲ 0.50% · 4.625%
HK$107,725
+HK$6,179/mo
Deposit HK$8.98M · loan HK$20.95M · min. income ≈ HK$203,092/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,272,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,303
−HK$5,743/mo
▼ 0.25% · 3.875%
HK$109,154
−HK$2,892/mo
Today · 4.125%
HK$112,046
baseline
▲ 0.50% · 4.625%
HK$117,952
+HK$5,906/mo
Deposit HK$8.98M · loan HK$20.95M · min. income ≈ HK$224,092/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,272,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,855
−HK$7,704/mo
▼ 0.25% · 3.875%
HK$126,676
−HK$3,883/mo
Today · 4.125%
HK$130,559
baseline
▲ 0.50% · 4.625%
HK$138,503
+HK$7,944/mo
Deposit HK$2.99M · loan HK$26.94M · min. income ≈ HK$261,118/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,272,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,675
−HK$7,384/mo
▼ 0.25% · 3.875%
HK$140,340
−HK$3,719/mo
Today · 4.125%
HK$144,059
baseline
▲ 0.50% · 4.625%
HK$151,653
+HK$7,594/mo
Deposit HK$2.99M · loan HK$26.94M · min. income ≈ HK$288,118/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,272,113 · Scale 2, in force from 26 Feb 2026)