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$68,227
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$70,350
−HK$2,156/mo
Today · 4.125%
HK$72,506
baseline
▲ 0.50% · 4.625%
HK$76,918
+HK$4,412/mo
Deposit HK$14.96M · loan HK$14.96M · min. income ≈ HK$145,012/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$1,271,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,902
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$77,938
−HK$2,065/mo
Today · 4.125%
HK$80,003
baseline
▲ 0.50% · 4.625%
HK$84,220
+HK$4,217/mo
Deposit HK$14.96M · loan HK$14.96M · min. income ≈ HK$160,006/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$1,271,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,873
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$84,419
−HK$2,588/mo
Today · 4.125%
HK$87,007
baseline
▲ 0.50% · 4.625%
HK$92,301
+HK$5,294/mo
Deposit HK$11.97M · loan HK$17.95M · min. income ≈ HK$174,014/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,271,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,083
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$93,525
−HK$2,479/mo
Today · 4.125%
HK$96,004
baseline
▲ 0.50% · 4.625%
HK$101,064
+HK$5,060/mo
Deposit HK$11.97M · loan HK$17.95M · min. income ≈ HK$192,008/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,271,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,518
−HK$5,990/mo
▼ 0.25% · 3.875%
HK$98,489
−HK$3,019/mo
Today · 4.125%
HK$101,508
baseline
▲ 0.50% · 4.625%
HK$107,685
+HK$6,177/mo
Deposit HK$8.98M · loan HK$20.94M · min. income ≈ HK$203,016/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,271,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,263
−HK$5,741/mo
▼ 0.25% · 3.875%
HK$109,113
−HK$2,891/mo
Today · 4.125%
HK$112,004
baseline
▲ 0.50% · 4.625%
HK$117,908
+HK$5,904/mo
Deposit HK$8.98M · loan HK$20.94M · min. income ≈ HK$224,008/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,271,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,809
−HK$7,701/mo
▼ 0.25% · 3.875%
HK$126,629
−HK$3,881/mo
Today · 4.125%
HK$130,510
baseline
▲ 0.50% · 4.625%
HK$138,452
+HK$7,942/mo
Deposit HK$2.99M · loan HK$26.93M · min. income ≈ HK$261,020/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,271,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,624
−HK$7,381/mo
▼ 0.25% · 3.875%
HK$140,288
−HK$3,717/mo
Today · 4.125%
HK$144,005
baseline
▲ 0.50% · 4.625%
HK$151,596
+HK$7,591/mo
Deposit HK$2.99M · loan HK$26.93M · min. income ≈ HK$288,010/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,271,639 · Scale 2, in force from 26 Feb 2026)