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$68,353
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$70,479
−HK$2,160/mo
Today · 4.125%
HK$72,639
baseline
▲ 0.50% · 4.625%
HK$77,059
+HK$4,420/mo
Deposit HK$14.99M · loan HK$14.99M · min. income ≈ HK$145,278/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,273,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,042
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$78,081
−HK$2,069/mo
Today · 4.125%
HK$80,150
baseline
▲ 0.50% · 4.625%
HK$84,375
+HK$4,225/mo
Deposit HK$14.99M · loan HK$14.99M · min. income ≈ HK$160,300/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,273,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,023
−HK$5,144/mo
▼ 0.25% · 3.875%
HK$84,575
−HK$2,592/mo
Today · 4.125%
HK$87,167
baseline
▲ 0.50% · 4.625%
HK$92,471
+HK$5,304/mo
Deposit HK$11.99M · loan HK$17.99M · min. income ≈ HK$174,334/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,273,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,250
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$93,698
−HK$2,482/mo
Today · 4.125%
HK$96,180
baseline
▲ 0.50% · 4.625%
HK$101,250
+HK$5,070/mo
Deposit HK$11.99M · loan HK$17.99M · min. income ≈ HK$192,360/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,273,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,694
−HK$6,001/mo
▼ 0.25% · 3.875%
HK$98,671
−HK$3,024/mo
Today · 4.125%
HK$101,695
baseline
▲ 0.50% · 4.625%
HK$107,883
+HK$6,188/mo
Deposit HK$8.99M · loan HK$20.98M · min. income ≈ HK$203,390/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$1,273,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,459
−HK$5,751/mo
▼ 0.25% · 3.875%
HK$109,314
−HK$2,896/mo
Today · 4.125%
HK$112,210
baseline
▲ 0.50% · 4.625%
HK$118,125
+HK$5,915/mo
Deposit HK$8.99M · loan HK$20.98M · min. income ≈ HK$224,420/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$1,273,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,035
−HK$7,716/mo
▼ 0.25% · 3.875%
HK$126,862
−HK$3,889/mo
Today · 4.125%
HK$130,751
baseline
▲ 0.50% · 4.625%
HK$138,706
+HK$7,955/mo
Deposit HK$3.00M · loan HK$26.98M · min. income ≈ HK$261,502/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,875
−HK$7,395/mo
▼ 0.25% · 3.875%
HK$140,546
−HK$3,724/mo
Today · 4.125%
HK$144,270
baseline
▲ 0.50% · 4.625%
HK$151,875
+HK$7,605/mo
Deposit HK$3.00M · loan HK$26.98M · min. income ≈ HK$288,540/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,978 · Scale 2, in force from 26 Feb 2026)