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$68,336
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$70,461
−HK$2,160/mo
Today · 4.125%
HK$72,621
baseline
▲ 0.50% · 4.625%
HK$77,040
+HK$4,419/mo
Deposit HK$14.98M · loan HK$14.98M · min. income ≈ HK$145,242/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,273,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,023
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$78,061
−HK$2,069/mo
Today · 4.125%
HK$80,130
baseline
▲ 0.50% · 4.625%
HK$84,354
+HK$4,224/mo
Deposit HK$14.98M · loan HK$14.98M · min. income ≈ HK$160,260/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,273,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,003
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$84,553
−HK$2,592/mo
Today · 4.125%
HK$87,145
baseline
▲ 0.50% · 4.625%
HK$92,447
+HK$5,302/mo
Deposit HK$11.99M · loan HK$17.98M · min. income ≈ HK$174,290/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,273,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,227
−HK$4,929/mo
▼ 0.25% · 3.875%
HK$93,674
−HK$2,482/mo
Today · 4.125%
HK$96,156
baseline
▲ 0.50% · 4.625%
HK$101,224
+HK$5,068/mo
Deposit HK$11.99M · loan HK$17.98M · min. income ≈ HK$192,312/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,273,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,670
−HK$5,999/mo
▼ 0.25% · 3.875%
HK$98,646
−HK$3,023/mo
Today · 4.125%
HK$101,669
baseline
▲ 0.50% · 4.625%
HK$107,855
+HK$6,186/mo
Deposit HK$8.99M · loan HK$20.98M · min. income ≈ HK$203,338/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,273,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,432
−HK$5,750/mo
▼ 0.25% · 3.875%
HK$109,286
−HK$2,896/mo
Today · 4.125%
HK$112,182
baseline
▲ 0.50% · 4.625%
HK$118,095
+HK$5,913/mo
Deposit HK$8.99M · loan HK$20.98M · min. income ≈ HK$224,364/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,273,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,004
−HK$7,713/mo
▼ 0.25% · 3.875%
HK$126,830
−HK$3,887/mo
Today · 4.125%
HK$130,717
baseline
▲ 0.50% · 4.625%
HK$138,671
+HK$7,954/mo
Deposit HK$3.00M · loan HK$26.97M · min. income ≈ HK$261,434/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,841
−HK$7,393/mo
▼ 0.25% · 3.875%
HK$140,511
−HK$3,723/mo
Today · 4.125%
HK$144,234
baseline
▲ 0.50% · 4.625%
HK$151,836
+HK$7,602/mo
Deposit HK$3.00M · loan HK$26.97M · min. income ≈ HK$288,468/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,655 · Scale 2, in force from 26 Feb 2026)