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$68,347
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$70,473
−HK$2,160/mo
Today · 4.125%
HK$72,633
baseline
▲ 0.50% · 4.625%
HK$77,053
+HK$4,420/mo
Deposit HK$14.99M · loan HK$14.99M · min. income ≈ HK$145,266/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,273,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,036
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$78,075
−HK$2,069/mo
Today · 4.125%
HK$80,144
baseline
▲ 0.50% · 4.625%
HK$84,368
+HK$4,224/mo
Deposit HK$14.99M · loan HK$14.99M · min. income ≈ HK$160,288/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,273,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,017
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$84,568
−HK$2,592/mo
Today · 4.125%
HK$87,160
baseline
▲ 0.50% · 4.625%
HK$92,463
+HK$5,303/mo
Deposit HK$11.99M · loan HK$17.98M · min. income ≈ HK$174,320/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,273,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,243
−HK$4,929/mo
▼ 0.25% · 3.875%
HK$93,690
−HK$2,482/mo
Today · 4.125%
HK$96,172
baseline
▲ 0.50% · 4.625%
HK$101,242
+HK$5,070/mo
Deposit HK$11.99M · loan HK$17.98M · min. income ≈ HK$192,344/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,273,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,686
−HK$6,000/mo
▼ 0.25% · 3.875%
HK$98,662
−HK$3,024/mo
Today · 4.125%
HK$101,686
baseline
▲ 0.50% · 4.625%
HK$107,874
+HK$6,188/mo
Deposit HK$8.99M · loan HK$20.98M · min. income ≈ HK$203,372/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$1,273,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,450
−HK$5,751/mo
▼ 0.25% · 3.875%
HK$109,305
−HK$2,896/mo
Today · 4.125%
HK$112,201
baseline
▲ 0.50% · 4.625%
HK$118,115
+HK$5,914/mo
Deposit HK$8.99M · loan HK$20.98M · min. income ≈ HK$224,402/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$1,273,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,025
−HK$7,715/mo
▼ 0.25% · 3.875%
HK$126,852
−HK$3,888/mo
Today · 4.125%
HK$130,740
baseline
▲ 0.50% · 4.625%
HK$138,695
+HK$7,955/mo
Deposit HK$3.00M · loan HK$26.98M · min. income ≈ HK$261,480/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,864
−HK$7,394/mo
▼ 0.25% · 3.875%
HK$140,535
−HK$3,723/mo
Today · 4.125%
HK$144,258
baseline
▲ 0.50% · 4.625%
HK$151,862
+HK$7,604/mo
Deposit HK$3.00M · loan HK$26.98M · min. income ≈ HK$288,516/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,873 · Scale 2, in force from 26 Feb 2026)