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$68,343
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$70,469
−HK$2,159/mo
Today · 4.125%
HK$72,628
baseline
▲ 0.50% · 4.625%
HK$77,048
+HK$4,420/mo
Deposit HK$14.99M · loan HK$14.99M · min. income ≈ HK$145,256/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,273,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,031
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$78,070
−HK$2,068/mo
Today · 4.125%
HK$80,138
baseline
▲ 0.50% · 4.625%
HK$84,363
+HK$4,225/mo
Deposit HK$14.99M · loan HK$14.99M · min. income ≈ HK$160,276/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,273,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,011
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$84,562
−HK$2,592/mo
Today · 4.125%
HK$87,154
baseline
▲ 0.50% · 4.625%
HK$92,457
+HK$5,303/mo
Deposit HK$11.99M · loan HK$17.98M · min. income ≈ HK$174,308/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,273,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,237
−HK$4,929/mo
▼ 0.25% · 3.875%
HK$93,684
−HK$2,482/mo
Today · 4.125%
HK$96,166
baseline
▲ 0.50% · 4.625%
HK$101,235
+HK$5,069/mo
Deposit HK$11.99M · loan HK$17.98M · min. income ≈ HK$192,332/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,273,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,680
−HK$6,000/mo
▼ 0.25% · 3.875%
HK$98,656
−HK$3,024/mo
Today · 4.125%
HK$101,680
baseline
▲ 0.50% · 4.625%
HK$107,867
+HK$6,187/mo
Deposit HK$8.99M · loan HK$20.98M · min. income ≈ HK$203,360/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$1,273,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,443
−HK$5,751/mo
▼ 0.25% · 3.875%
HK$109,298
−HK$2,896/mo
Today · 4.125%
HK$112,194
baseline
▲ 0.50% · 4.625%
HK$118,108
+HK$5,914/mo
Deposit HK$8.99M · loan HK$20.98M · min. income ≈ HK$224,388/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$1,273,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,017
−HK$7,714/mo
▼ 0.25% · 3.875%
HK$126,843
−HK$3,888/mo
Today · 4.125%
HK$130,731
baseline
▲ 0.50% · 4.625%
HK$138,686
+HK$7,955/mo
Deposit HK$3.00M · loan HK$26.97M · min. income ≈ HK$261,462/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,855
−HK$7,394/mo
▼ 0.25% · 3.875%
HK$140,526
−HK$3,723/mo
Today · 4.125%
HK$144,249
baseline
▲ 0.50% · 4.625%
HK$151,853
+HK$7,604/mo
Deposit HK$3.00M · loan HK$26.97M · min. income ≈ HK$288,498/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,790 · Scale 2, in force from 26 Feb 2026)