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$68,236
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$70,358
−HK$2,157/mo
Today · 4.125%
HK$72,515
baseline
▲ 0.50% · 4.625%
HK$76,927
+HK$4,412/mo
Deposit HK$14.96M · loan HK$14.96M · min. income ≈ HK$145,030/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$1,271,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,912
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$77,948
−HK$2,065/mo
Today · 4.125%
HK$80,013
baseline
▲ 0.50% · 4.625%
HK$84,230
+HK$4,217/mo
Deposit HK$14.96M · loan HK$14.96M · min. income ≈ HK$160,026/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$1,271,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,883
−HK$5,135/mo
▼ 0.25% · 3.875%
HK$84,430
−HK$2,588/mo
Today · 4.125%
HK$87,018
baseline
▲ 0.50% · 4.625%
HK$92,313
+HK$5,295/mo
Deposit HK$11.97M · loan HK$17.95M · min. income ≈ HK$174,036/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,271,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,094
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$93,537
−HK$2,478/mo
Today · 4.125%
HK$96,015
baseline
▲ 0.50% · 4.625%
HK$101,077
+HK$5,062/mo
Deposit HK$11.97M · loan HK$17.95M · min. income ≈ HK$192,030/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,271,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,530
−HK$5,991/mo
▼ 0.25% · 3.875%
HK$98,502
−HK$3,019/mo
Today · 4.125%
HK$101,521
baseline
▲ 0.50% · 4.625%
HK$107,698
+HK$6,177/mo
Deposit HK$8.98M · loan HK$20.95M · min. income ≈ HK$203,042/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,271,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,276
−HK$5,742/mo
▼ 0.25% · 3.875%
HK$109,127
−HK$2,891/mo
Today · 4.125%
HK$112,018
baseline
▲ 0.50% · 4.625%
HK$117,923
+HK$5,905/mo
Deposit HK$8.98M · loan HK$20.95M · min. income ≈ HK$224,036/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,271,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,824
−HK$7,703/mo
▼ 0.25% · 3.875%
HK$126,645
−HK$3,882/mo
Today · 4.125%
HK$130,527
baseline
▲ 0.50% · 4.625%
HK$138,469
+HK$7,942/mo
Deposit HK$2.99M · loan HK$26.93M · min. income ≈ HK$261,054/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,271,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,641
−HK$7,382/mo
▼ 0.25% · 3.875%
HK$140,306
−HK$3,717/mo
Today · 4.125%
HK$144,023
baseline
▲ 0.50% · 4.625%
HK$151,615
+HK$7,592/mo
Deposit HK$2.99M · loan HK$26.93M · min. income ≈ HK$288,046/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,271,797 · Scale 2, in force from 26 Feb 2026)