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$68,326
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$70,452
−HK$2,159/mo
Today · 4.125%
HK$72,611
baseline
▲ 0.50% · 4.625%
HK$77,029
+HK$4,418/mo
Deposit HK$14.98M · loan HK$14.98M · min. income ≈ HK$145,222/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,273,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,012
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$78,051
−HK$2,068/mo
Today · 4.125%
HK$80,119
baseline
▲ 0.50% · 4.625%
HK$84,342
+HK$4,223/mo
Deposit HK$14.98M · loan HK$14.98M · min. income ≈ HK$160,238/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,273,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,992
−HK$5,141/mo
▼ 0.25% · 3.875%
HK$84,542
−HK$2,591/mo
Today · 4.125%
HK$87,133
baseline
▲ 0.50% · 4.625%
HK$92,435
+HK$5,302/mo
Deposit HK$11.99M · loan HK$17.98M · min. income ≈ HK$174,266/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,273,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,215
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$93,661
−HK$2,482/mo
Today · 4.125%
HK$96,143
baseline
▲ 0.50% · 4.625%
HK$101,211
+HK$5,068/mo
Deposit HK$11.99M · loan HK$17.98M · min. income ≈ HK$192,286/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,273,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,657
−HK$5,999/mo
▼ 0.25% · 3.875%
HK$98,632
−HK$3,024/mo
Today · 4.125%
HK$101,656
baseline
▲ 0.50% · 4.625%
HK$107,841
+HK$6,185/mo
Deposit HK$8.99M · loan HK$20.98M · min. income ≈ HK$203,312/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,273,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,417
−HK$5,750/mo
▼ 0.25% · 3.875%
HK$109,272
−HK$2,895/mo
Today · 4.125%
HK$112,167
baseline
▲ 0.50% · 4.625%
HK$118,079
+HK$5,912/mo
Deposit HK$8.99M · loan HK$20.98M · min. income ≈ HK$224,334/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,273,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,988
−HK$7,712/mo
▼ 0.25% · 3.875%
HK$126,813
−HK$3,887/mo
Today · 4.125%
HK$130,700
baseline
▲ 0.50% · 4.625%
HK$138,653
+HK$7,953/mo
Deposit HK$3.00M · loan HK$26.97M · min. income ≈ HK$261,400/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,822
−HK$7,393/mo
▼ 0.25% · 3.875%
HK$140,492
−HK$3,723/mo
Today · 4.125%
HK$144,215
baseline
▲ 0.50% · 4.625%
HK$151,816
+HK$7,601/mo
Deposit HK$3.00M · loan HK$26.97M · min. income ≈ HK$288,430/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,486 · Scale 2, in force from 26 Feb 2026)