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$70,429
−HK$2,158/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$1,273,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,988
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$78,026
−HK$2,067/mo
Today · 4.125%
HK$80,093
baseline
▲ 0.50% · 4.625%
HK$84,315
+HK$4,222/mo
Deposit HK$14.98M · loan HK$14.98M · min. income ≈ HK$160,186/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,273,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,965
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$84,515
−HK$2,590/mo
Today · 4.125%
HK$87,105
baseline
▲ 0.50% · 4.625%
HK$92,405
+HK$5,300/mo
Deposit HK$11.98M · loan HK$17.97M · min. income ≈ HK$174,210/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,273,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,185
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$93,631
−HK$2,481/mo
Today · 4.125%
HK$96,112
baseline
▲ 0.50% · 4.625%
HK$101,178
+HK$5,066/mo
Deposit HK$11.98M · loan HK$17.97M · min. income ≈ HK$192,224/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,273,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,626
−HK$5,996/mo
▼ 0.25% · 3.875%
HK$98,600
−HK$3,022/mo
Today · 4.125%
HK$101,622
baseline
▲ 0.50% · 4.625%
HK$107,806
+HK$6,184/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$1,273,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,383
−HK$5,747/mo
▼ 0.25% · 3.875%
HK$109,236
−HK$2,894/mo
Today · 4.125%
HK$112,130
baseline
▲ 0.50% · 4.625%
HK$118,041
+HK$5,911/mo
Deposit HK$8.99M · loan HK$20.97M · min. income ≈ HK$224,260/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,273,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,948
−HK$7,709/mo
▼ 0.25% · 3.875%
HK$126,772
−HK$3,885/mo
Today · 4.125%
HK$130,657
baseline
▲ 0.50% · 4.625%
HK$138,608
+HK$7,951/mo
Deposit HK$3.00M · loan HK$26.96M · min. income ≈ HK$261,314/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,778
−HK$7,390/mo
▼ 0.25% · 3.875%
HK$140,446
−HK$3,722/mo
Today · 4.125%
HK$144,168
baseline
▲ 0.50% · 4.625%
HK$151,767
+HK$7,599/mo
Deposit HK$3.00M · loan HK$26.96M · min. income ≈ HK$288,336/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,072 · Scale 2, in force from 26 Feb 2026)