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$68,285
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$70,409
−HK$2,158/mo
Today · 4.125%
HK$72,567
baseline
▲ 0.50% · 4.625%
HK$76,983
+HK$4,416/mo
Deposit HK$14.97M · loan HK$14.97M · min. income ≈ HK$145,134/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,272,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,967
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$78,004
−HK$2,067/mo
Today · 4.125%
HK$80,071
baseline
▲ 0.50% · 4.625%
HK$84,292
+HK$4,221/mo
Deposit HK$14.97M · loan HK$14.97M · min. income ≈ HK$160,142/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,272,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,942
−HK$5,139/mo
▼ 0.25% · 3.875%
HK$84,491
−HK$2,590/mo
Today · 4.125%
HK$87,081
baseline
▲ 0.50% · 4.625%
HK$92,379
+HK$5,298/mo
Deposit HK$11.98M · loan HK$17.97M · min. income ≈ HK$174,162/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,272,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,160
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$93,605
−HK$2,480/mo
Today · 4.125%
HK$96,085
baseline
▲ 0.50% · 4.625%
HK$101,150
+HK$5,065/mo
Deposit HK$11.98M · loan HK$17.97M · min. income ≈ HK$192,170/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,272,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,599
−HK$5,995/mo
▼ 0.25% · 3.875%
HK$98,573
−HK$3,021/mo
Today · 4.125%
HK$101,594
baseline
▲ 0.50% · 4.625%
HK$107,776
+HK$6,182/mo
Deposit HK$8.98M · loan HK$20.96M · min. income ≈ HK$203,188/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,272,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,353
−HK$5,746/mo
▼ 0.25% · 3.875%
HK$109,206
−HK$2,893/mo
Today · 4.125%
HK$112,099
baseline
▲ 0.50% · 4.625%
HK$118,008
+HK$5,909/mo
Deposit HK$8.98M · loan HK$20.96M · min. income ≈ HK$224,198/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,272,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,913
−HK$7,708/mo
▼ 0.25% · 3.875%
HK$126,737
−HK$3,884/mo
Today · 4.125%
HK$130,621
baseline
▲ 0.50% · 4.625%
HK$138,569
+HK$7,948/mo
Deposit HK$2.99M · loan HK$26.95M · min. income ≈ HK$261,242/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,272,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,740
−HK$7,388/mo
▼ 0.25% · 3.875%
HK$140,407
−HK$3,721/mo
Today · 4.125%
HK$144,128
baseline
▲ 0.50% · 4.625%
HK$151,725
+HK$7,597/mo
Deposit HK$2.99M · loan HK$26.95M · min. income ≈ HK$288,256/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,272,718 · Scale 2, in force from 26 Feb 2026)