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$68,325
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$70,450
−HK$2,160/mo
Today · 4.125%
HK$72,610
baseline
▲ 0.50% · 4.625%
HK$77,028
+HK$4,418/mo
Deposit HK$14.98M · loan HK$14.98M · min. income ≈ HK$145,220/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,273,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,011
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$78,050
−HK$2,068/mo
Today · 4.125%
HK$80,118
baseline
▲ 0.50% · 4.625%
HK$84,341
+HK$4,223/mo
Deposit HK$14.98M · loan HK$14.98M · min. income ≈ HK$160,236/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,273,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,990
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$84,541
−HK$2,591/mo
Today · 4.125%
HK$87,132
baseline
▲ 0.50% · 4.625%
HK$92,433
+HK$5,301/mo
Deposit HK$11.99M · loan HK$17.98M · min. income ≈ HK$174,264/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,273,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,213
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$93,660
−HK$2,481/mo
Today · 4.125%
HK$96,141
baseline
▲ 0.50% · 4.625%
HK$101,209
+HK$5,068/mo
Deposit HK$11.99M · loan HK$17.98M · min. income ≈ HK$192,282/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,273,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,655
−HK$5,999/mo
▼ 0.25% · 3.875%
HK$98,631
−HK$3,023/mo
Today · 4.125%
HK$101,654
baseline
▲ 0.50% · 4.625%
HK$107,839
+HK$6,185/mo
Deposit HK$8.99M · loan HK$20.97M · min. income ≈ HK$203,308/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,273,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,416
−HK$5,749/mo
▼ 0.25% · 3.875%
HK$109,270
−HK$2,895/mo
Today · 4.125%
HK$112,165
baseline
▲ 0.50% · 4.625%
HK$118,077
+HK$5,912/mo
Deposit HK$8.99M · loan HK$20.97M · min. income ≈ HK$224,330/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,273,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,985
−HK$7,713/mo
▼ 0.25% · 3.875%
HK$126,811
−HK$3,887/mo
Today · 4.125%
HK$130,698
baseline
▲ 0.50% · 4.625%
HK$138,650
+HK$7,952/mo
Deposit HK$3.00M · loan HK$26.97M · min. income ≈ HK$261,396/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,820
−HK$7,392/mo
▼ 0.25% · 3.875%
HK$140,489
−HK$3,723/mo
Today · 4.125%
HK$144,212
baseline
▲ 0.50% · 4.625%
HK$151,814
+HK$7,602/mo
Deposit HK$3.00M · loan HK$26.97M · min. income ≈ HK$288,424/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,463 · Scale 2, in force from 26 Feb 2026)