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$68,363
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$70,489
−HK$2,161/mo
Today · 4.125%
HK$72,650
baseline
▲ 0.50% · 4.625%
HK$77,071
+HK$4,421/mo
Deposit HK$14.99M · loan HK$14.99M · min. income ≈ HK$145,300/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,274,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,053
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$78,093
−HK$2,069/mo
Today · 4.125%
HK$80,162
baseline
▲ 0.50% · 4.625%
HK$84,387
+HK$4,225/mo
Deposit HK$14.99M · loan HK$14.99M · min. income ≈ HK$160,324/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,274,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,036
−HK$5,144/mo
▼ 0.25% · 3.875%
HK$84,587
−HK$2,593/mo
Today · 4.125%
HK$87,180
baseline
▲ 0.50% · 4.625%
HK$92,485
+HK$5,305/mo
Deposit HK$11.99M · loan HK$17.99M · min. income ≈ HK$174,360/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,274,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,264
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$93,711
−HK$2,483/mo
Today · 4.125%
HK$96,194
baseline
▲ 0.50% · 4.625%
HK$101,265
+HK$5,071/mo
Deposit HK$11.99M · loan HK$17.99M · min. income ≈ HK$192,388/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,274,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,708
−HK$6,002/mo
▼ 0.25% · 3.875%
HK$98,685
−HK$3,025/mo
Today · 4.125%
HK$101,710
baseline
▲ 0.50% · 4.625%
HK$107,899
+HK$6,189/mo
Deposit HK$8.99M · loan HK$20.99M · min. income ≈ HK$203,420/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$1,274,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,474
−HK$5,753/mo
▼ 0.25% · 3.875%
HK$109,330
−HK$2,897/mo
Today · 4.125%
HK$112,227
baseline
▲ 0.50% · 4.625%
HK$118,142
+HK$5,915/mo
Deposit HK$8.99M · loan HK$20.99M · min. income ≈ HK$224,454/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$1,274,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,053
−HK$7,717/mo
▼ 0.25% · 3.875%
HK$126,881
−HK$3,889/mo
Today · 4.125%
HK$130,770
baseline
▲ 0.50% · 4.625%
HK$138,727
+HK$7,957/mo
Deposit HK$3.00M · loan HK$26.98M · min. income ≈ HK$261,540/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,274,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,896
−HK$7,396/mo
▼ 0.25% · 3.875%
HK$140,567
−HK$3,725/mo
Today · 4.125%
HK$144,292
baseline
▲ 0.50% · 4.625%
HK$151,897
+HK$7,605/mo
Deposit HK$3.00M · loan HK$26.98M · min. income ≈ HK$288,584/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,274,167 · Scale 2, in force from 26 Feb 2026)