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$68,235
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$70,358
−HK$2,156/mo
Today · 4.125%
HK$72,514
baseline
▲ 0.50% · 4.625%
HK$76,927
+HK$4,413/mo
Deposit HK$14.96M · loan HK$14.96M · min. income ≈ HK$145,028/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$1,271,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,911
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$77,947
−HK$2,065/mo
Today · 4.125%
HK$80,012
baseline
▲ 0.50% · 4.625%
HK$84,230
+HK$4,218/mo
Deposit HK$14.96M · loan HK$14.96M · min. income ≈ HK$160,024/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$1,271,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,882
−HK$5,135/mo
▼ 0.25% · 3.875%
HK$84,429
−HK$2,588/mo
Today · 4.125%
HK$87,017
baseline
▲ 0.50% · 4.625%
HK$92,312
+HK$5,295/mo
Deposit HK$11.97M · loan HK$17.95M · min. income ≈ HK$174,034/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,271,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,093
−HK$4,922/mo
▼ 0.25% · 3.875%
HK$93,536
−HK$2,479/mo
Today · 4.125%
HK$96,015
baseline
▲ 0.50% · 4.625%
HK$101,076
+HK$5,061/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$1,271,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,530
−HK$5,990/mo
▼ 0.25% · 3.875%
HK$98,501
−HK$3,019/mo
Today · 4.125%
HK$101,520
baseline
▲ 0.50% · 4.625%
HK$107,697
+HK$6,177/mo
Deposit HK$8.98M · loan HK$20.95M · min. income ≈ HK$203,040/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,271,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,276
−HK$5,741/mo
▼ 0.25% · 3.875%
HK$109,126
−HK$2,891/mo
Today · 4.125%
HK$112,017
baseline
▲ 0.50% · 4.625%
HK$117,922
+HK$5,905/mo
Deposit HK$8.98M · loan HK$20.95M · min. income ≈ HK$224,034/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,271,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,824
−HK$7,702/mo
▼ 0.25% · 3.875%
HK$126,644
−HK$3,882/mo
Today · 4.125%
HK$130,526
baseline
▲ 0.50% · 4.625%
HK$138,468
+HK$7,942/mo
Deposit HK$2.99M · loan HK$26.93M · min. income ≈ HK$261,052/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,271,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,640
−HK$7,382/mo
▼ 0.25% · 3.875%
HK$140,305
−HK$3,717/mo
Today · 4.125%
HK$144,022
baseline
▲ 0.50% · 4.625%
HK$151,614
+HK$7,592/mo
Deposit HK$2.99M · loan HK$26.93M · min. income ≈ HK$288,044/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,271,789 · Scale 2, in force from 26 Feb 2026)