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$68,384
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$70,511
−HK$2,162/mo
Today · 4.125%
HK$72,673
baseline
▲ 0.50% · 4.625%
HK$77,094
+HK$4,421/mo
Deposit HK$14.99M · loan HK$14.99M · min. income ≈ HK$145,346/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,274,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,077
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$78,117
−HK$2,070/mo
Today · 4.125%
HK$80,187
baseline
▲ 0.50% · 4.625%
HK$84,414
+HK$4,227/mo
Deposit HK$14.99M · loan HK$14.99M · min. income ≈ HK$160,374/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,274,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,061
−HK$5,146/mo
▼ 0.25% · 3.875%
HK$84,614
−HK$2,593/mo
Today · 4.125%
HK$87,207
baseline
▲ 0.50% · 4.625%
HK$92,513
+HK$5,306/mo
Deposit HK$12.00M · loan HK$17.99M · min. income ≈ HK$174,414/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,274,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,292
−HK$4,932/mo
▼ 0.25% · 3.875%
HK$93,741
−HK$2,483/mo
Today · 4.125%
HK$96,224
baseline
▲ 0.50% · 4.625%
HK$101,296
+HK$5,072/mo
Deposit HK$12.00M · loan HK$17.99M · min. income ≈ HK$192,448/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,274,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,738
−HK$6,004/mo
▼ 0.25% · 3.875%
HK$98,716
−HK$3,026/mo
Today · 4.125%
HK$101,742
baseline
▲ 0.50% · 4.625%
HK$107,932
+HK$6,190/mo
Deposit HK$9.00M · loan HK$20.99M · min. income ≈ HK$203,484/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$1,274,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,507
−HK$5,755/mo
▼ 0.25% · 3.875%
HK$109,364
−HK$2,898/mo
Today · 4.125%
HK$112,262
baseline
▲ 0.50% · 4.625%
HK$118,179
+HK$5,917/mo
Deposit HK$9.00M · loan HK$20.99M · min. income ≈ HK$224,524/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$1,274,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,092
−HK$7,719/mo
▼ 0.25% · 3.875%
HK$126,920
−HK$3,891/mo
Today · 4.125%
HK$130,811
baseline
▲ 0.50% · 4.625%
HK$138,770
+HK$7,959/mo
Deposit HK$3.00M · loan HK$26.99M · min. income ≈ HK$261,622/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,274,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,938
−HK$7,398/mo
▼ 0.25% · 3.875%
HK$140,611
−HK$3,725/mo
Today · 4.125%
HK$144,336
baseline
▲ 0.50% · 4.625%
HK$151,945
+HK$7,609/mo
Deposit HK$3.00M · loan HK$26.99M · min. income ≈ HK$288,672/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,274,563 · Scale 2, in force from 26 Feb 2026)