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$68,301
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$70,425
−HK$2,159/mo
Today · 4.125%
HK$72,584
baseline
▲ 0.50% · 4.625%
HK$77,000
+HK$4,416/mo
Deposit HK$14.98M · loan HK$14.98M · min. income ≈ HK$145,168/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,273,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,984
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$78,022
−HK$2,067/mo
Today · 4.125%
HK$80,089
baseline
▲ 0.50% · 4.625%
HK$84,311
+HK$4,222/mo
Deposit HK$14.98M · loan HK$14.98M · min. income ≈ HK$160,178/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,273,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,961
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$84,510
−HK$2,591/mo
Today · 4.125%
HK$87,101
baseline
▲ 0.50% · 4.625%
HK$92,400
+HK$5,299/mo
Deposit HK$11.98M · loan HK$17.97M · min. income ≈ HK$174,202/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,273,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,181
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$93,626
−HK$2,481/mo
Today · 4.125%
HK$96,107
baseline
▲ 0.50% · 4.625%
HK$101,173
+HK$5,066/mo
Deposit HK$11.98M · loan HK$17.97M · min. income ≈ HK$192,214/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,273,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,621
−HK$5,996/mo
▼ 0.25% · 3.875%
HK$98,595
−HK$3,022/mo
Today · 4.125%
HK$101,617
baseline
▲ 0.50% · 4.625%
HK$107,801
+HK$6,184/mo
Deposit HK$8.99M · loan HK$20.97M · min. income ≈ HK$203,234/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,273,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,377
−HK$5,748/mo
▼ 0.25% · 3.875%
HK$109,230
−HK$2,895/mo
Today · 4.125%
HK$112,125
baseline
▲ 0.50% · 4.625%
HK$118,035
+HK$5,910/mo
Deposit HK$8.99M · loan HK$20.97M · min. income ≈ HK$224,250/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,273,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,941
−HK$7,710/mo
▼ 0.25% · 3.875%
HK$126,766
−HK$3,885/mo
Today · 4.125%
HK$130,651
baseline
▲ 0.50% · 4.625%
HK$138,601
+HK$7,950/mo
Deposit HK$3.00M · loan HK$26.96M · min. income ≈ HK$261,302/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,771
−HK$7,389/mo
▼ 0.25% · 3.875%
HK$140,439
−HK$3,721/mo
Today · 4.125%
HK$144,160
baseline
▲ 0.50% · 4.625%
HK$151,759
+HK$7,599/mo
Deposit HK$3.00M · loan HK$26.96M · min. income ≈ HK$288,320/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,008 · Scale 2, in force from 26 Feb 2026)