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$68,306
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$70,430
−HK$2,159/mo
Today · 4.125%
HK$72,589
baseline
▲ 0.50% · 4.625%
HK$77,006
+HK$4,417/mo
Deposit HK$14.98M · loan HK$14.98M · min. income ≈ HK$145,178/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,273,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,989
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$78,027
−HK$2,068/mo
Today · 4.125%
HK$80,095
baseline
▲ 0.50% · 4.625%
HK$84,317
+HK$4,222/mo
Deposit HK$14.98M · loan HK$14.98M · min. income ≈ HK$160,190/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,273,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,967
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$84,516
−HK$2,591/mo
Today · 4.125%
HK$87,107
baseline
▲ 0.50% · 4.625%
HK$92,407
+HK$5,300/mo
Deposit HK$11.98M · loan HK$17.97M · min. income ≈ HK$174,214/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,273,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,187
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$93,633
−HK$2,481/mo
Today · 4.125%
HK$96,114
baseline
▲ 0.50% · 4.625%
HK$101,180
+HK$5,066/mo
Deposit HK$11.98M · loan HK$17.97M · min. income ≈ HK$192,228/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,273,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,628
−HK$5,996/mo
▼ 0.25% · 3.875%
HK$98,602
−HK$3,022/mo
Today · 4.125%
HK$101,624
baseline
▲ 0.50% · 4.625%
HK$107,808
+HK$6,184/mo
Deposit HK$8.99M · loan HK$20.97M · min. income ≈ HK$203,248/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,273,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,385
−HK$5,748/mo
▼ 0.25% · 3.875%
HK$109,238
−HK$2,895/mo
Today · 4.125%
HK$112,133
baseline
▲ 0.50% · 4.625%
HK$118,043
+HK$5,910/mo
Deposit HK$8.99M · loan HK$20.97M · min. income ≈ HK$224,266/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,273,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,950
−HK$7,710/mo
▼ 0.25% · 3.875%
HK$126,774
−HK$3,886/mo
Today · 4.125%
HK$130,660
baseline
▲ 0.50% · 4.625%
HK$138,610
+HK$7,950/mo
Deposit HK$3.00M · loan HK$26.96M · min. income ≈ HK$261,320/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,781
−HK$7,389/mo
▼ 0.25% · 3.875%
HK$140,449
−HK$3,721/mo
Today · 4.125%
HK$144,170
baseline
▲ 0.50% · 4.625%
HK$151,770
+HK$7,600/mo
Deposit HK$3.00M · loan HK$26.96M · min. income ≈ HK$288,340/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,096 · Scale 2, in force from 26 Feb 2026)