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$68,283
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$70,407
−HK$2,158/mo
Today · 4.125%
HK$72,565
baseline
▲ 0.50% · 4.625%
HK$76,981
+HK$4,416/mo
Deposit HK$14.97M · loan HK$14.97M · min. income ≈ HK$145,130/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,272,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,965
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$78,002
−HK$2,067/mo
Today · 4.125%
HK$80,069
baseline
▲ 0.50% · 4.625%
HK$84,289
+HK$4,220/mo
Deposit HK$14.97M · loan HK$14.97M · min. income ≈ HK$160,138/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,272,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,940
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$84,489
−HK$2,589/mo
Today · 4.125%
HK$87,078
baseline
▲ 0.50% · 4.625%
HK$92,377
+HK$5,299/mo
Deposit HK$11.98M · loan HK$17.97M · min. income ≈ HK$174,156/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,272,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,157
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$93,602
−HK$2,480/mo
Today · 4.125%
HK$96,082
baseline
▲ 0.50% · 4.625%
HK$101,147
+HK$5,065/mo
Deposit HK$11.98M · loan HK$17.97M · min. income ≈ HK$192,164/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,272,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,597
−HK$5,994/mo
▼ 0.25% · 3.875%
HK$98,570
−HK$3,021/mo
Today · 4.125%
HK$101,591
baseline
▲ 0.50% · 4.625%
HK$107,773
+HK$6,182/mo
Deposit HK$8.98M · loan HK$20.96M · min. income ≈ HK$203,182/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,272,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,350
−HK$5,746/mo
▼ 0.25% · 3.875%
HK$109,203
−HK$2,893/mo
Today · 4.125%
HK$112,096
baseline
▲ 0.50% · 4.625%
HK$118,005
+HK$5,909/mo
Deposit HK$8.98M · loan HK$20.96M · min. income ≈ HK$224,192/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,272,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,910
−HK$7,708/mo
▼ 0.25% · 3.875%
HK$126,733
−HK$3,885/mo
Today · 4.125%
HK$130,618
baseline
▲ 0.50% · 4.625%
HK$138,565
+HK$7,947/mo
Deposit HK$2.99M · loan HK$26.95M · min. income ≈ HK$261,236/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,272,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,736
−HK$7,388/mo
▼ 0.25% · 3.875%
HK$140,403
−HK$3,721/mo
Today · 4.125%
HK$144,124
baseline
▲ 0.50% · 4.625%
HK$151,721
+HK$7,597/mo
Deposit HK$2.99M · loan HK$26.95M · min. income ≈ HK$288,248/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,272,683 · Scale 2, in force from 26 Feb 2026)