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$68,229
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$70,352
−HK$2,156/mo
Today · 4.125%
HK$72,508
baseline
▲ 0.50% · 4.625%
HK$76,920
+HK$4,412/mo
Deposit HK$14.96M · loan HK$14.96M · min. income ≈ HK$145,016/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$1,271,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,904
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$77,940
−HK$2,065/mo
Today · 4.125%
HK$80,005
baseline
▲ 0.50% · 4.625%
HK$84,223
+HK$4,218/mo
Deposit HK$14.96M · loan HK$14.96M · min. income ≈ HK$160,010/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$1,271,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,875
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$84,422
−HK$2,587/mo
Today · 4.125%
HK$87,009
baseline
▲ 0.50% · 4.625%
HK$92,304
+HK$5,295/mo
Deposit HK$11.97M · loan HK$17.95M · min. income ≈ HK$174,018/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,271,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,085
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$93,528
−HK$2,478/mo
Today · 4.125%
HK$96,006
baseline
▲ 0.50% · 4.625%
HK$101,067
+HK$5,061/mo
Deposit HK$11.97M · loan HK$17.95M · min. income ≈ HK$192,012/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,271,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,521
−HK$5,990/mo
▼ 0.25% · 3.875%
HK$98,492
−HK$3,019/mo
Today · 4.125%
HK$101,511
baseline
▲ 0.50% · 4.625%
HK$107,688
+HK$6,177/mo
Deposit HK$8.98M · loan HK$20.95M · min. income ≈ HK$203,022/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,271,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,266
−HK$5,741/mo
▼ 0.25% · 3.875%
HK$109,116
−HK$2,891/mo
Today · 4.125%
HK$112,007
baseline
▲ 0.50% · 4.625%
HK$117,912
+HK$5,905/mo
Deposit HK$8.98M · loan HK$20.95M · min. income ≈ HK$224,014/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,271,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,813
−HK$7,701/mo
▼ 0.25% · 3.875%
HK$126,633
−HK$3,881/mo
Today · 4.125%
HK$130,514
baseline
▲ 0.50% · 4.625%
HK$138,456
+HK$7,942/mo
Deposit HK$2.99M · loan HK$26.93M · min. income ≈ HK$261,028/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,271,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,628
−HK$7,382/mo
▼ 0.25% · 3.875%
HK$140,292
−HK$3,718/mo
Today · 4.125%
HK$144,010
baseline
▲ 0.50% · 4.625%
HK$151,601
+HK$7,591/mo
Deposit HK$2.99M · loan HK$26.93M · min. income ≈ HK$288,020/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,271,676 · Scale 2, in force from 26 Feb 2026)