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$68,362
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$70,489
−HK$2,160/mo
Today · 4.125%
HK$72,649
baseline
▲ 0.50% · 4.625%
HK$77,070
+HK$4,421/mo
Deposit HK$14.99M · loan HK$14.99M · min. income ≈ HK$145,298/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,274,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,052
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$78,092
−HK$2,069/mo
Today · 4.125%
HK$80,161
baseline
▲ 0.50% · 4.625%
HK$84,386
+HK$4,225/mo
Deposit HK$14.99M · loan HK$14.99M · min. income ≈ HK$160,322/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,274,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,035
−HK$5,144/mo
▼ 0.25% · 3.875%
HK$84,586
−HK$2,593/mo
Today · 4.125%
HK$87,179
baseline
▲ 0.50% · 4.625%
HK$92,483
+HK$5,304/mo
Deposit HK$11.99M · loan HK$17.99M · min. income ≈ HK$174,358/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,274,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,263
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$93,710
−HK$2,483/mo
Today · 4.125%
HK$96,193
baseline
▲ 0.50% · 4.625%
HK$101,264
+HK$5,071/mo
Deposit HK$11.99M · loan HK$17.99M · min. income ≈ HK$192,386/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,274,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,707
−HK$6,002/mo
▼ 0.25% · 3.875%
HK$98,684
−HK$3,025/mo
Today · 4.125%
HK$101,709
baseline
▲ 0.50% · 4.625%
HK$107,897
+HK$6,188/mo
Deposit HK$8.99M · loan HK$20.99M · min. income ≈ HK$203,418/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$1,274,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,473
−HK$5,752/mo
▼ 0.25% · 3.875%
HK$109,329
−HK$2,896/mo
Today · 4.125%
HK$112,225
baseline
▲ 0.50% · 4.625%
HK$118,141
+HK$5,916/mo
Deposit HK$8.99M · loan HK$20.99M · min. income ≈ HK$224,450/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$1,274,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,052
−HK$7,716/mo
▼ 0.25% · 3.875%
HK$126,879
−HK$3,889/mo
Today · 4.125%
HK$130,768
baseline
▲ 0.50% · 4.625%
HK$138,725
+HK$7,957/mo
Deposit HK$3.00M · loan HK$26.98M · min. income ≈ HK$261,536/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,274,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,894
−HK$7,396/mo
▼ 0.25% · 3.875%
HK$140,565
−HK$3,725/mo
Today · 4.125%
HK$144,290
baseline
▲ 0.50% · 4.625%
HK$151,896
+HK$7,606/mo
Deposit HK$3.00M · loan HK$26.98M · min. income ≈ HK$288,580/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,274,151 · Scale 2, in force from 26 Feb 2026)