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$68,382
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$70,509
−HK$2,161/mo
Today · 4.125%
HK$72,670
baseline
▲ 0.50% · 4.625%
HK$77,092
+HK$4,422/mo
Deposit HK$14.99M · loan HK$14.99M · min. income ≈ HK$145,340/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,274,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,074
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$78,115
−HK$2,069/mo
Today · 4.125%
HK$80,184
baseline
▲ 0.50% · 4.625%
HK$84,411
+HK$4,227/mo
Deposit HK$14.99M · loan HK$14.99M · min. income ≈ HK$160,368/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,274,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,058
−HK$5,146/mo
▼ 0.25% · 3.875%
HK$84,611
−HK$2,593/mo
Today · 4.125%
HK$87,204
baseline
▲ 0.50% · 4.625%
HK$92,510
+HK$5,306/mo
Deposit HK$12.00M · loan HK$17.99M · min. income ≈ HK$174,408/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,274,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,289
−HK$4,932/mo
▼ 0.25% · 3.875%
HK$93,738
−HK$2,483/mo
Today · 4.125%
HK$96,221
baseline
▲ 0.50% · 4.625%
HK$101,293
+HK$5,072/mo
Deposit HK$12.00M · loan HK$17.99M · min. income ≈ HK$192,442/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,274,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,735
−HK$6,003/mo
▼ 0.25% · 3.875%
HK$98,713
−HK$3,025/mo
Today · 4.125%
HK$101,738
baseline
▲ 0.50% · 4.625%
HK$107,929
+HK$6,191/mo
Deposit HK$9.00M · loan HK$20.99M · min. income ≈ HK$203,476/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$1,274,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,504
−HK$5,754/mo
▼ 0.25% · 3.875%
HK$109,360
−HK$2,898/mo
Today · 4.125%
HK$112,258
baseline
▲ 0.50% · 4.625%
HK$118,175
+HK$5,917/mo
Deposit HK$9.00M · loan HK$20.99M · min. income ≈ HK$224,516/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$1,274,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,088
−HK$7,718/mo
▼ 0.25% · 3.875%
HK$126,916
−HK$3,890/mo
Today · 4.125%
HK$130,806
baseline
▲ 0.50% · 4.625%
HK$138,766
+HK$7,960/mo
Deposit HK$3.00M · loan HK$26.99M · min. income ≈ HK$261,612/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,274,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,934
−HK$7,398/mo
▼ 0.25% · 3.875%
HK$140,606
−HK$3,726/mo
Today · 4.125%
HK$144,332
baseline
▲ 0.50% · 4.625%
HK$151,940
+HK$7,608/mo
Deposit HK$3.00M · loan HK$26.99M · min. income ≈ HK$288,664/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,274,523 · Scale 2, in force from 26 Feb 2026)