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$68,314
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$70,439
−HK$2,159/mo
Today · 4.125%
HK$72,598
baseline
▲ 0.50% · 4.625%
HK$77,016
+HK$4,418/mo
Deposit HK$14.98M · loan HK$14.98M · min. income ≈ HK$145,196/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,273,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,999
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$78,037
−HK$2,068/mo
Today · 4.125%
HK$80,105
baseline
▲ 0.50% · 4.625%
HK$84,327
+HK$4,222/mo
Deposit HK$14.98M · loan HK$14.98M · min. income ≈ HK$160,210/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,273,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,977
−HK$5,141/mo
▼ 0.25% · 3.875%
HK$84,527
−HK$2,591/mo
Today · 4.125%
HK$87,118
baseline
▲ 0.50% · 4.625%
HK$92,419
+HK$5,301/mo
Deposit HK$11.98M · loan HK$17.98M · min. income ≈ HK$174,236/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,273,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,199
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$93,645
−HK$2,481/mo
Today · 4.125%
HK$96,126
baseline
▲ 0.50% · 4.625%
HK$101,193
+HK$5,067/mo
Deposit HK$11.98M · loan HK$17.98M · min. income ≈ HK$192,252/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,273,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,640
−HK$5,998/mo
▼ 0.25% · 3.875%
HK$98,615
−HK$3,023/mo
Today · 4.125%
HK$101,638
baseline
▲ 0.50% · 4.625%
HK$107,822
+HK$6,184/mo
Deposit HK$8.99M · loan HK$20.97M · min. income ≈ HK$203,276/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,273,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,399
−HK$5,748/mo
▼ 0.25% · 3.875%
HK$109,252
−HK$2,895/mo
Today · 4.125%
HK$112,147
baseline
▲ 0.50% · 4.625%
HK$118,058
+HK$5,911/mo
Deposit HK$8.99M · loan HK$20.97M · min. income ≈ HK$224,294/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,273,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,966
−HK$7,711/mo
▼ 0.25% · 3.875%
HK$126,791
−HK$3,886/mo
Today · 4.125%
HK$130,677
baseline
▲ 0.50% · 4.625%
HK$138,628
+HK$7,951/mo
Deposit HK$3.00M · loan HK$26.96M · min. income ≈ HK$261,354/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,798
−HK$7,391/mo
▼ 0.25% · 3.875%
HK$140,467
−HK$3,722/mo
Today · 4.125%
HK$144,189
baseline
▲ 0.50% · 4.625%
HK$151,789
+HK$7,600/mo
Deposit HK$3.00M · loan HK$26.96M · min. income ≈ HK$288,378/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,261 · Scale 2, in force from 26 Feb 2026)