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$68,371
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$70,498
−HK$2,161/mo
Today · 4.125%
HK$72,659
baseline
▲ 0.50% · 4.625%
HK$77,080
+HK$4,421/mo
Deposit HK$14.99M · loan HK$14.99M · min. income ≈ HK$145,318/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,274,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,062
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$78,102
−HK$2,070/mo
Today · 4.125%
HK$80,172
baseline
▲ 0.50% · 4.625%
HK$84,398
+HK$4,226/mo
Deposit HK$14.99M · loan HK$14.99M · min. income ≈ HK$160,344/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,274,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,046
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$84,598
−HK$2,593/mo
Today · 4.125%
HK$87,191
baseline
▲ 0.50% · 4.625%
HK$92,496
+HK$5,305/mo
Deposit HK$11.99M · loan HK$17.99M · min. income ≈ HK$174,382/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,274,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,275
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$93,723
−HK$2,483/mo
Today · 4.125%
HK$96,206
baseline
▲ 0.50% · 4.625%
HK$101,277
+HK$5,071/mo
Deposit HK$11.99M · loan HK$17.99M · min. income ≈ HK$192,412/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,274,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,720
−HK$6,002/mo
▼ 0.25% · 3.875%
HK$98,697
−HK$3,025/mo
Today · 4.125%
HK$101,722
baseline
▲ 0.50% · 4.625%
HK$107,912
+HK$6,190/mo
Deposit HK$9.00M · loan HK$20.99M · min. income ≈ HK$203,444/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$1,274,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,487
−HK$5,754/mo
▼ 0.25% · 3.875%
HK$109,343
−HK$2,898/mo
Today · 4.125%
HK$112,241
baseline
▲ 0.50% · 4.625%
HK$118,157
+HK$5,916/mo
Deposit HK$9.00M · loan HK$20.99M · min. income ≈ HK$224,482/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$1,274,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,068
−HK$7,718/mo
▼ 0.25% · 3.875%
HK$126,896
−HK$3,890/mo
Today · 4.125%
HK$130,786
baseline
▲ 0.50% · 4.625%
HK$138,744
+HK$7,958/mo
Deposit HK$3.00M · loan HK$26.99M · min. income ≈ HK$261,572/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,274,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,912
−HK$7,397/mo
▼ 0.25% · 3.875%
HK$140,584
−HK$3,725/mo
Today · 4.125%
HK$144,309
baseline
▲ 0.50% · 4.625%
HK$151,916
+HK$7,607/mo
Deposit HK$3.00M · loan HK$26.99M · min. income ≈ HK$288,618/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,274,322 · Scale 2, in force from 26 Feb 2026)