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$68,290
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$70,414
−HK$2,159/mo
Today · 4.125%
HK$72,573
baseline
▲ 0.50% · 4.625%
HK$76,988
+HK$4,415/mo
Deposit HK$14.97M · loan HK$14.97M · min. income ≈ HK$145,146/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,272,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,972
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$78,010
−HK$2,067/mo
Today · 4.125%
HK$80,077
baseline
▲ 0.50% · 4.625%
HK$84,298
+HK$4,221/mo
Deposit HK$14.97M · loan HK$14.97M · min. income ≈ HK$160,154/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,272,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,948
−HK$5,139/mo
▼ 0.25% · 3.875%
HK$84,497
−HK$2,590/mo
Today · 4.125%
HK$87,087
baseline
▲ 0.50% · 4.625%
HK$92,386
+HK$5,299/mo
Deposit HK$11.98M · loan HK$17.97M · min. income ≈ HK$174,174/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,272,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,167
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$93,612
−HK$2,480/mo
Today · 4.125%
HK$96,092
baseline
▲ 0.50% · 4.625%
HK$101,157
+HK$5,065/mo
Deposit HK$11.98M · loan HK$17.97M · min. income ≈ HK$192,184/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,272,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,606
−HK$5,996/mo
▼ 0.25% · 3.875%
HK$98,580
−HK$3,022/mo
Today · 4.125%
HK$101,602
baseline
▲ 0.50% · 4.625%
HK$107,784
+HK$6,182/mo
Deposit HK$8.98M · loan HK$20.96M · min. income ≈ HK$203,204/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,272,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,361
−HK$5,746/mo
▼ 0.25% · 3.875%
HK$109,214
−HK$2,893/mo
Today · 4.125%
HK$112,107
baseline
▲ 0.50% · 4.625%
HK$118,017
+HK$5,910/mo
Deposit HK$8.98M · loan HK$20.96M · min. income ≈ HK$224,214/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,272,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,922
−HK$7,709/mo
▼ 0.25% · 3.875%
HK$126,746
−HK$3,885/mo
Today · 4.125%
HK$130,631
baseline
▲ 0.50% · 4.625%
HK$138,579
+HK$7,948/mo
Deposit HK$2.99M · loan HK$26.95M · min. income ≈ HK$261,262/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,272,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,750
−HK$7,388/mo
▼ 0.25% · 3.875%
HK$140,417
−HK$3,721/mo
Today · 4.125%
HK$144,138
baseline
▲ 0.50% · 4.625%
HK$151,736
+HK$7,598/mo
Deposit HK$2.99M · loan HK$26.95M · min. income ≈ HK$288,276/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,272,810 · Scale 2, in force from 26 Feb 2026)