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$68,370
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$70,497
−HK$2,161/mo
Today · 4.125%
HK$72,658
baseline
▲ 0.50% · 4.625%
HK$77,079
+HK$4,421/mo
Deposit HK$14.99M · loan HK$14.99M · min. income ≈ HK$145,316/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,274,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,061
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$78,101
−HK$2,070/mo
Today · 4.125%
HK$80,171
baseline
▲ 0.50% · 4.625%
HK$84,397
+HK$4,226/mo
Deposit HK$14.99M · loan HK$14.99M · min. income ≈ HK$160,342/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,274,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,045
−HK$5,144/mo
▼ 0.25% · 3.875%
HK$84,597
−HK$2,592/mo
Today · 4.125%
HK$87,189
baseline
▲ 0.50% · 4.625%
HK$92,495
+HK$5,306/mo
Deposit HK$11.99M · loan HK$17.99M · min. income ≈ HK$174,378/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,274,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,274
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$93,722
−HK$2,483/mo
Today · 4.125%
HK$96,205
baseline
▲ 0.50% · 4.625%
HK$101,276
+HK$5,071/mo
Deposit HK$11.99M · loan HK$17.99M · min. income ≈ HK$192,410/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,274,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,719
−HK$6,002/mo
▼ 0.25% · 3.875%
HK$98,696
−HK$3,025/mo
Today · 4.125%
HK$101,721
baseline
▲ 0.50% · 4.625%
HK$107,911
+HK$6,190/mo
Deposit HK$9.00M · loan HK$20.99M · min. income ≈ HK$203,442/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$1,274,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,486
−HK$5,753/mo
▼ 0.25% · 3.875%
HK$109,342
−HK$2,897/mo
Today · 4.125%
HK$112,239
baseline
▲ 0.50% · 4.625%
HK$118,155
+HK$5,916/mo
Deposit HK$9.00M · loan HK$20.99M · min. income ≈ HK$224,478/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$1,274,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,067
−HK$7,717/mo
▼ 0.25% · 3.875%
HK$126,895
−HK$3,889/mo
Today · 4.125%
HK$130,784
baseline
▲ 0.50% · 4.625%
HK$138,742
+HK$7,958/mo
Deposit HK$3.00M · loan HK$26.99M · min. income ≈ HK$261,568/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,274,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,911
−HK$7,396/mo
▼ 0.25% · 3.875%
HK$140,582
−HK$3,725/mo
Today · 4.125%
HK$144,307
baseline
▲ 0.50% · 4.625%
HK$151,914
+HK$7,607/mo
Deposit HK$3.00M · loan HK$26.99M · min. income ≈ HK$288,614/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,274,306 · Scale 2, in force from 26 Feb 2026)