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$68,223
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$70,345
−HK$2,156/mo
Today · 4.125%
HK$72,501
baseline
▲ 0.50% · 4.625%
HK$76,913
+HK$4,412/mo
Deposit HK$14.96M · loan HK$14.96M · min. income ≈ HK$145,002/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$1,271,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,897
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$77,933
−HK$2,065/mo
Today · 4.125%
HK$79,998
baseline
▲ 0.50% · 4.625%
HK$84,215
+HK$4,217/mo
Deposit HK$14.96M · loan HK$14.96M · min. income ≈ HK$159,996/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$1,271,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,868
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$84,414
−HK$2,587/mo
Today · 4.125%
HK$87,001
baseline
▲ 0.50% · 4.625%
HK$92,295
+HK$5,294/mo
Deposit HK$11.97M · loan HK$17.95M · min. income ≈ HK$174,002/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,271,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,077
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$93,520
−HK$2,478/mo
Today · 4.125%
HK$95,998
baseline
▲ 0.50% · 4.625%
HK$101,058
+HK$5,060/mo
Deposit HK$11.97M · loan HK$17.95M · min. income ≈ HK$191,996/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,271,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,512
−HK$5,990/mo
▼ 0.25% · 3.875%
HK$98,483
−HK$3,019/mo
Today · 4.125%
HK$101,502
baseline
▲ 0.50% · 4.625%
HK$107,678
+HK$6,176/mo
Deposit HK$8.98M · loan HK$20.94M · min. income ≈ HK$203,004/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,271,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,256
−HK$5,741/mo
▼ 0.25% · 3.875%
HK$109,106
−HK$2,891/mo
Today · 4.125%
HK$111,997
baseline
▲ 0.50% · 4.625%
HK$117,901
+HK$5,904/mo
Deposit HK$8.98M · loan HK$20.94M · min. income ≈ HK$223,994/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,271,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,802
−HK$7,700/mo
▼ 0.25% · 3.875%
HK$126,621
−HK$3,881/mo
Today · 4.125%
HK$130,502
baseline
▲ 0.50% · 4.625%
HK$138,443
+HK$7,941/mo
Deposit HK$2.99M · loan HK$26.93M · min. income ≈ HK$261,004/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,271,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,615
−HK$7,381/mo
▼ 0.25% · 3.875%
HK$140,279
−HK$3,717/mo
Today · 4.125%
HK$143,996
baseline
▲ 0.50% · 4.625%
HK$151,587
+HK$7,591/mo
Deposit HK$2.99M · loan HK$26.93M · min. income ≈ HK$287,992/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,271,559 · Scale 2, in force from 26 Feb 2026)