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$68,304
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$70,428
−HK$2,159/mo
Today · 4.125%
HK$72,587
baseline
▲ 0.50% · 4.625%
HK$77,004
+HK$4,417/mo
Deposit HK$14.98M · loan HK$14.98M · min. income ≈ HK$145,174/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,273,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,987
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$78,025
−HK$2,067/mo
Today · 4.125%
HK$80,092
baseline
▲ 0.50% · 4.625%
HK$84,314
+HK$4,222/mo
Deposit HK$14.98M · loan HK$14.98M · min. income ≈ HK$160,184/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,273,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,964
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$84,514
−HK$2,590/mo
Today · 4.125%
HK$87,104
baseline
▲ 0.50% · 4.625%
HK$92,404
+HK$5,300/mo
Deposit HK$11.98M · loan HK$17.97M · min. income ≈ HK$174,208/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,273,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,184
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$93,630
−HK$2,481/mo
Today · 4.125%
HK$96,111
baseline
▲ 0.50% · 4.625%
HK$101,177
+HK$5,066/mo
Deposit HK$11.98M · loan HK$17.97M · min. income ≈ HK$192,222/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,273,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,625
−HK$5,997/mo
▼ 0.25% · 3.875%
HK$98,599
−HK$3,023/mo
Today · 4.125%
HK$101,622
baseline
▲ 0.50% · 4.625%
HK$107,805
+HK$6,183/mo
Deposit HK$8.99M · loan HK$20.97M · min. income ≈ HK$203,244/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,273,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,382
−HK$5,747/mo
▼ 0.25% · 3.875%
HK$109,235
−HK$2,894/mo
Today · 4.125%
HK$112,129
baseline
▲ 0.50% · 4.625%
HK$118,040
+HK$5,911/mo
Deposit HK$8.99M · loan HK$20.97M · min. income ≈ HK$224,258/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,273,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,946
−HK$7,710/mo
▼ 0.25% · 3.875%
HK$126,771
−HK$3,885/mo
Today · 4.125%
HK$130,656
baseline
▲ 0.50% · 4.625%
HK$138,606
+HK$7,950/mo
Deposit HK$3.00M · loan HK$26.96M · min. income ≈ HK$261,312/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,777
−HK$7,389/mo
▼ 0.25% · 3.875%
HK$140,445
−HK$3,721/mo
Today · 4.125%
HK$144,166
baseline
▲ 0.50% · 4.625%
HK$151,766
+HK$7,600/mo
Deposit HK$3.00M · loan HK$26.96M · min. income ≈ HK$288,332/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,060 · Scale 2, in force from 26 Feb 2026)