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$68,248
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$70,371
−HK$2,156/mo
Today · 4.125%
HK$72,527
baseline
▲ 0.50% · 4.625%
HK$76,941
+HK$4,414/mo
Deposit HK$14.96M · loan HK$14.96M · min. income ≈ HK$145,054/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,272,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,925
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$77,961
−HK$2,066/mo
Today · 4.125%
HK$80,027
baseline
▲ 0.50% · 4.625%
HK$84,245
+HK$4,218/mo
Deposit HK$14.96M · loan HK$14.96M · min. income ≈ HK$160,054/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,272,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,897
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$84,445
−HK$2,588/mo
Today · 4.125%
HK$87,033
baseline
▲ 0.50% · 4.625%
HK$92,329
+HK$5,296/mo
Deposit HK$11.97M · loan HK$17.96M · min. income ≈ HK$174,066/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,272,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,110
−HK$4,922/mo
▼ 0.25% · 3.875%
HK$93,553
−HK$2,479/mo
Today · 4.125%
HK$96,032
baseline
▲ 0.50% · 4.625%
HK$101,094
+HK$5,062/mo
Deposit HK$11.97M · loan HK$17.96M · min. income ≈ HK$192,064/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,272,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,547
−HK$5,991/mo
▼ 0.25% · 3.875%
HK$98,519
−HK$3,019/mo
Today · 4.125%
HK$101,538
baseline
▲ 0.50% · 4.625%
HK$107,717
+HK$6,179/mo
Deposit HK$8.98M · loan HK$20.95M · min. income ≈ HK$203,076/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,272,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,295
−HK$5,743/mo
▼ 0.25% · 3.875%
HK$109,146
−HK$2,892/mo
Today · 4.125%
HK$112,038
baseline
▲ 0.50% · 4.625%
HK$117,943
+HK$5,905/mo
Deposit HK$8.98M · loan HK$20.95M · min. income ≈ HK$224,076/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,272,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,846
−HK$7,703/mo
▼ 0.25% · 3.875%
HK$126,667
−HK$3,882/mo
Today · 4.125%
HK$130,549
baseline
▲ 0.50% · 4.625%
HK$138,493
+HK$7,944/mo
Deposit HK$2.99M · loan HK$26.94M · min. income ≈ HK$261,098/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,272,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,665
−HK$7,383/mo
▼ 0.25% · 3.875%
HK$140,330
−HK$3,718/mo
Today · 4.125%
HK$144,048
baseline
▲ 0.50% · 4.625%
HK$151,641
+HK$7,593/mo
Deposit HK$2.99M · loan HK$26.94M · min. income ≈ HK$288,096/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,272,018 · Scale 2, in force from 26 Feb 2026)