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$68,297
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$70,421
−HK$2,159/mo
Today · 4.125%
HK$72,580
baseline
▲ 0.50% · 4.625%
HK$76,996
+HK$4,416/mo
Deposit HK$14.98M · loan HK$14.98M · min. income ≈ HK$145,160/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,272,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,980
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$78,018
−HK$2,067/mo
Today · 4.125%
HK$80,085
baseline
▲ 0.50% · 4.625%
HK$84,306
+HK$4,221/mo
Deposit HK$14.98M · loan HK$14.98M · min. income ≈ HK$160,170/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,272,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,956
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$84,506
−HK$2,590/mo
Today · 4.125%
HK$87,096
baseline
▲ 0.50% · 4.625%
HK$92,395
+HK$5,299/mo
Deposit HK$11.98M · loan HK$17.97M · min. income ≈ HK$174,192/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,272,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,176
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$93,621
−HK$2,481/mo
Today · 4.125%
HK$96,102
baseline
▲ 0.50% · 4.625%
HK$101,167
+HK$5,065/mo
Deposit HK$11.98M · loan HK$17.97M · min. income ≈ HK$192,204/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,272,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,616
−HK$5,996/mo
▼ 0.25% · 3.875%
HK$98,590
−HK$3,022/mo
Today · 4.125%
HK$101,612
baseline
▲ 0.50% · 4.625%
HK$107,795
+HK$6,183/mo
Deposit HK$8.99M · loan HK$20.97M · min. income ≈ HK$203,224/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,272,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,372
−HK$5,747/mo
▼ 0.25% · 3.875%
HK$109,225
−HK$2,894/mo
Today · 4.125%
HK$112,119
baseline
▲ 0.50% · 4.625%
HK$118,029
+HK$5,910/mo
Deposit HK$8.99M · loan HK$20.97M · min. income ≈ HK$224,238/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,272,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,935
−HK$7,709/mo
▼ 0.25% · 3.875%
HK$126,759
−HK$3,885/mo
Today · 4.125%
HK$130,644
baseline
▲ 0.50% · 4.625%
HK$138,593
+HK$7,949/mo
Deposit HK$3.00M · loan HK$26.96M · min. income ≈ HK$261,288/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,272,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,764
−HK$7,389/mo
▼ 0.25% · 3.875%
HK$140,432
−HK$3,721/mo
Today · 4.125%
HK$144,153
baseline
▲ 0.50% · 4.625%
HK$151,751
+HK$7,598/mo
Deposit HK$3.00M · loan HK$26.96M · min. income ≈ HK$288,306/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,272,938 · Scale 2, in force from 26 Feb 2026)