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$68,296
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$70,421
−HK$2,158/mo
Today · 4.125%
HK$72,579
baseline
▲ 0.50% · 4.625%
HK$76,995
+HK$4,416/mo
Deposit HK$14.98M · loan HK$14.98M · min. income ≈ HK$145,158/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,272,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,979
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$78,016
−HK$2,068/mo
Today · 4.125%
HK$80,084
baseline
▲ 0.50% · 4.625%
HK$84,305
+HK$4,221/mo
Deposit HK$14.98M · loan HK$14.98M · min. income ≈ HK$160,168/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,272,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,955
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$84,505
−HK$2,590/mo
Today · 4.125%
HK$87,095
baseline
▲ 0.50% · 4.625%
HK$92,394
+HK$5,299/mo
Deposit HK$11.98M · loan HK$17.97M · min. income ≈ HK$174,190/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,272,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,175
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$93,620
−HK$2,480/mo
Today · 4.125%
HK$96,100
baseline
▲ 0.50% · 4.625%
HK$101,166
+HK$5,066/mo
Deposit HK$11.98M · loan HK$17.97M · min. income ≈ HK$192,200/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,272,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,615
−HK$5,995/mo
▼ 0.25% · 3.875%
HK$98,589
−HK$3,021/mo
Today · 4.125%
HK$101,610
baseline
▲ 0.50% · 4.625%
HK$107,793
+HK$6,183/mo
Deposit HK$8.99M · loan HK$20.97M · min. income ≈ HK$203,220/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,272,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,370
−HK$5,747/mo
▼ 0.25% · 3.875%
HK$109,223
−HK$2,894/mo
Today · 4.125%
HK$112,117
baseline
▲ 0.50% · 4.625%
HK$118,027
+HK$5,910/mo
Deposit HK$8.99M · loan HK$20.97M · min. income ≈ HK$224,234/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,272,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,933
−HK$7,709/mo
▼ 0.25% · 3.875%
HK$126,757
−HK$3,885/mo
Today · 4.125%
HK$130,642
baseline
▲ 0.50% · 4.625%
HK$138,591
+HK$7,949/mo
Deposit HK$3.00M · loan HK$26.96M · min. income ≈ HK$261,284/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,272,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,762
−HK$7,389/mo
▼ 0.25% · 3.875%
HK$140,430
−HK$3,721/mo
Today · 4.125%
HK$144,151
baseline
▲ 0.50% · 4.625%
HK$151,749
+HK$7,598/mo
Deposit HK$3.00M · loan HK$26.96M · min. income ≈ HK$288,302/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,272,922 · Scale 2, in force from 26 Feb 2026)