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$68,311
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$70,436
−HK$2,159/mo
Today · 4.125%
HK$72,595
baseline
▲ 0.50% · 4.625%
HK$77,012
+HK$4,417/mo
Deposit HK$14.98M · loan HK$14.98M · min. income ≈ HK$145,190/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,273,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,996
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$78,034
−HK$2,068/mo
Today · 4.125%
HK$80,102
baseline
▲ 0.50% · 4.625%
HK$84,324
+HK$4,222/mo
Deposit HK$14.98M · loan HK$14.98M · min. income ≈ HK$160,204/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,273,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,974
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$84,524
−HK$2,590/mo
Today · 4.125%
HK$87,114
baseline
▲ 0.50% · 4.625%
HK$92,415
+HK$5,301/mo
Deposit HK$11.98M · loan HK$17.97M · min. income ≈ HK$174,228/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,273,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,195
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$93,641
−HK$2,481/mo
Today · 4.125%
HK$96,122
baseline
▲ 0.50% · 4.625%
HK$101,189
+HK$5,067/mo
Deposit HK$11.98M · loan HK$17.97M · min. income ≈ HK$192,244/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,273,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,636
−HK$5,997/mo
▼ 0.25% · 3.875%
HK$98,611
−HK$3,022/mo
Today · 4.125%
HK$101,633
baseline
▲ 0.50% · 4.625%
HK$107,817
+HK$6,184/mo
Deposit HK$8.99M · loan HK$20.97M · min. income ≈ HK$203,266/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,273,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,394
−HK$5,748/mo
▼ 0.25% · 3.875%
HK$109,247
−HK$2,895/mo
Today · 4.125%
HK$112,142
baseline
▲ 0.50% · 4.625%
HK$118,053
+HK$5,911/mo
Deposit HK$8.99M · loan HK$20.97M · min. income ≈ HK$224,284/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,273,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,961
−HK$7,710/mo
▼ 0.25% · 3.875%
HK$126,785
−HK$3,886/mo
Today · 4.125%
HK$130,671
baseline
▲ 0.50% · 4.625%
HK$138,622
+HK$7,951/mo
Deposit HK$3.00M · loan HK$26.96M · min. income ≈ HK$261,342/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,792
−HK$7,391/mo
▼ 0.25% · 3.875%
HK$140,461
−HK$3,722/mo
Today · 4.125%
HK$144,183
baseline
▲ 0.50% · 4.625%
HK$151,783
+HK$7,600/mo
Deposit HK$3.00M · loan HK$26.96M · min. income ≈ HK$288,366/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,206 · Scale 2, in force from 26 Feb 2026)