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$68,246
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$70,369
−HK$2,157/mo
Today · 4.125%
HK$72,526
baseline
▲ 0.50% · 4.625%
HK$76,939
+HK$4,413/mo
Deposit HK$14.96M · loan HK$14.96M · min. income ≈ HK$145,052/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,271,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,923
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$77,959
−HK$2,066/mo
Today · 4.125%
HK$80,025
baseline
▲ 0.50% · 4.625%
HK$84,243
+HK$4,218/mo
Deposit HK$14.96M · loan HK$14.96M · min. income ≈ HK$160,050/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,271,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,895
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$84,443
−HK$2,588/mo
Today · 4.125%
HK$87,031
baseline
▲ 0.50% · 4.625%
HK$92,326
+HK$5,295/mo
Deposit HK$11.97M · loan HK$17.96M · min. income ≈ HK$174,062/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,271,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,108
−HK$4,922/mo
▼ 0.25% · 3.875%
HK$93,551
−HK$2,479/mo
Today · 4.125%
HK$96,030
baseline
▲ 0.50% · 4.625%
HK$101,092
+HK$5,062/mo
Deposit HK$11.97M · loan HK$17.96M · min. income ≈ HK$192,060/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,271,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,544
−HK$5,992/mo
▼ 0.25% · 3.875%
HK$98,516
−HK$3,020/mo
Today · 4.125%
HK$101,536
baseline
▲ 0.50% · 4.625%
HK$107,714
+HK$6,178/mo
Deposit HK$8.98M · loan HK$20.95M · min. income ≈ HK$203,072/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,271,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,292
−HK$5,743/mo
▼ 0.25% · 3.875%
HK$109,143
−HK$2,892/mo
Today · 4.125%
HK$112,035
baseline
▲ 0.50% · 4.625%
HK$117,940
+HK$5,905/mo
Deposit HK$8.98M · loan HK$20.95M · min. income ≈ HK$224,070/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,271,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,843
−HK$7,703/mo
▼ 0.25% · 3.875%
HK$126,664
−HK$3,882/mo
Today · 4.125%
HK$130,546
baseline
▲ 0.50% · 4.625%
HK$138,490
+HK$7,944/mo
Deposit HK$2.99M · loan HK$26.94M · min. income ≈ HK$261,092/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,271,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,661
−HK$7,384/mo
▼ 0.25% · 3.875%
HK$140,327
−HK$3,718/mo
Today · 4.125%
HK$144,045
baseline
▲ 0.50% · 4.625%
HK$151,638
+HK$7,593/mo
Deposit HK$2.99M · loan HK$26.94M · min. income ≈ HK$288,090/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,271,986 · Scale 2, in force from 26 Feb 2026)