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$68,309
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$70,434
−HK$2,159/mo
Today · 4.125%
HK$72,593
baseline
▲ 0.50% · 4.625%
HK$77,010
+HK$4,417/mo
Deposit HK$14.98M · loan HK$14.98M · min. income ≈ HK$145,186/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,273,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,994
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$78,032
−HK$2,067/mo
Today · 4.125%
HK$80,099
baseline
▲ 0.50% · 4.625%
HK$84,321
+HK$4,222/mo
Deposit HK$14.98M · loan HK$14.98M · min. income ≈ HK$160,198/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,273,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,971
−HK$5,141/mo
▼ 0.25% · 3.875%
HK$84,521
−HK$2,591/mo
Today · 4.125%
HK$87,112
baseline
▲ 0.50% · 4.625%
HK$92,412
+HK$5,300/mo
Deposit HK$11.98M · loan HK$17.97M · min. income ≈ HK$174,224/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,273,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,192
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$93,638
−HK$2,481/mo
Today · 4.125%
HK$96,119
baseline
▲ 0.50% · 4.625%
HK$101,186
+HK$5,067/mo
Deposit HK$11.98M · loan HK$17.97M · min. income ≈ HK$192,238/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,273,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,633
−HK$5,997/mo
▼ 0.25% · 3.875%
HK$98,608
−HK$3,022/mo
Today · 4.125%
HK$101,630
baseline
▲ 0.50% · 4.625%
HK$107,814
+HK$6,184/mo
Deposit HK$8.99M · loan HK$20.97M · min. income ≈ HK$203,260/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,273,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,391
−HK$5,748/mo
▼ 0.25% · 3.875%
HK$109,244
−HK$2,895/mo
Today · 4.125%
HK$112,139
baseline
▲ 0.50% · 4.625%
HK$118,050
+HK$5,911/mo
Deposit HK$8.99M · loan HK$20.97M · min. income ≈ HK$224,278/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,273,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,957
−HK$7,710/mo
▼ 0.25% · 3.875%
HK$126,782
−HK$3,885/mo
Today · 4.125%
HK$130,667
baseline
▲ 0.50% · 4.625%
HK$138,618
+HK$7,951/mo
Deposit HK$3.00M · loan HK$26.96M · min. income ≈ HK$261,334/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,788
−HK$7,391/mo
▼ 0.25% · 3.875%
HK$140,457
−HK$3,722/mo
Today · 4.125%
HK$144,179
baseline
▲ 0.50% · 4.625%
HK$151,778
+HK$7,599/mo
Deposit HK$3.00M · loan HK$26.96M · min. income ≈ HK$288,358/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,169 · Scale 2, in force from 26 Feb 2026)