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$68,373
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$70,500
−HK$2,160/mo
Today · 4.125%
HK$72,660
baseline
▲ 0.50% · 4.625%
HK$77,082
+HK$4,422/mo
Deposit HK$14.99M · loan HK$14.99M · min. income ≈ HK$145,320/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,274,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,064
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$78,104
−HK$2,069/mo
Today · 4.125%
HK$80,173
baseline
▲ 0.50% · 4.625%
HK$84,400
+HK$4,227/mo
Deposit HK$14.99M · loan HK$14.99M · min. income ≈ HK$160,346/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,274,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,047
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$84,599
−HK$2,593/mo
Today · 4.125%
HK$87,192
baseline
▲ 0.50% · 4.625%
HK$92,498
+HK$5,306/mo
Deposit HK$11.99M · loan HK$17.99M · min. income ≈ HK$174,384/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,274,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,277
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$93,725
−HK$2,483/mo
Today · 4.125%
HK$96,208
baseline
▲ 0.50% · 4.625%
HK$101,279
+HK$5,071/mo
Deposit HK$11.99M · loan HK$17.99M · min. income ≈ HK$192,416/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,274,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,722
−HK$6,002/mo
▼ 0.25% · 3.875%
HK$98,699
−HK$3,025/mo
Today · 4.125%
HK$101,724
baseline
▲ 0.50% · 4.625%
HK$107,914
+HK$6,190/mo
Deposit HK$9.00M · loan HK$20.99M · min. income ≈ HK$203,448/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$1,274,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,490
−HK$5,753/mo
▼ 0.25% · 3.875%
HK$109,346
−HK$2,897/mo
Today · 4.125%
HK$112,243
baseline
▲ 0.50% · 4.625%
HK$118,159
+HK$5,916/mo
Deposit HK$9.00M · loan HK$20.99M · min. income ≈ HK$224,486/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$1,274,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,071
−HK$7,718/mo
▼ 0.25% · 3.875%
HK$126,899
−HK$3,890/mo
Today · 4.125%
HK$130,789
baseline
▲ 0.50% · 4.625%
HK$138,747
+HK$7,958/mo
Deposit HK$3.00M · loan HK$26.99M · min. income ≈ HK$261,578/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,274,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,915
−HK$7,397/mo
▼ 0.25% · 3.875%
HK$140,587
−HK$3,725/mo
Today · 4.125%
HK$144,312
baseline
▲ 0.50% · 4.625%
HK$151,919
+HK$7,607/mo
Deposit HK$3.00M · loan HK$26.99M · min. income ≈ HK$288,624/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,274,349 · Scale 2, in force from 26 Feb 2026)