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$68,323
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$70,448
−HK$2,159/mo
Today · 4.125%
HK$72,607
baseline
▲ 0.50% · 4.625%
HK$77,025
+HK$4,418/mo
Deposit HK$14.98M · loan HK$14.98M · min. income ≈ HK$145,214/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,273,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,008
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$78,047
−HK$2,068/mo
Today · 4.125%
HK$80,115
baseline
▲ 0.50% · 4.625%
HK$84,338
+HK$4,223/mo
Deposit HK$14.98M · loan HK$14.98M · min. income ≈ HK$160,230/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,273,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,987
−HK$5,141/mo
▼ 0.25% · 3.875%
HK$84,537
−HK$2,591/mo
Today · 4.125%
HK$87,128
baseline
▲ 0.50% · 4.625%
HK$92,430
+HK$5,302/mo
Deposit HK$11.99M · loan HK$17.98M · min. income ≈ HK$174,256/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,273,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,210
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$93,656
−HK$2,482/mo
Today · 4.125%
HK$96,138
baseline
▲ 0.50% · 4.625%
HK$101,205
+HK$5,067/mo
Deposit HK$11.99M · loan HK$17.98M · min. income ≈ HK$192,276/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,273,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,652
−HK$5,998/mo
▼ 0.25% · 3.875%
HK$98,627
−HK$3,023/mo
Today · 4.125%
HK$101,650
baseline
▲ 0.50% · 4.625%
HK$107,835
+HK$6,185/mo
Deposit HK$8.99M · loan HK$20.97M · min. income ≈ HK$203,300/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,273,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,412
−HK$5,749/mo
▼ 0.25% · 3.875%
HK$109,265
−HK$2,896/mo
Today · 4.125%
HK$112,161
baseline
▲ 0.50% · 4.625%
HK$118,073
+HK$5,912/mo
Deposit HK$8.99M · loan HK$20.97M · min. income ≈ HK$224,322/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,273,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,981
−HK$7,712/mo
▼ 0.25% · 3.875%
HK$126,806
−HK$3,887/mo
Today · 4.125%
HK$130,693
baseline
▲ 0.50% · 4.625%
HK$138,645
+HK$7,952/mo
Deposit HK$3.00M · loan HK$26.97M · min. income ≈ HK$261,386/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,815
−HK$7,391/mo
▼ 0.25% · 3.875%
HK$140,484
−HK$3,722/mo
Today · 4.125%
HK$144,206
baseline
▲ 0.50% · 4.625%
HK$151,808
+HK$7,602/mo
Deposit HK$3.00M · loan HK$26.97M · min. income ≈ HK$288,412/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,415 · Scale 2, in force from 26 Feb 2026)