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$68,322
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$70,447
−HK$2,159/mo
Today · 4.125%
HK$72,606
baseline
▲ 0.50% · 4.625%
HK$77,024
+HK$4,418/mo
Deposit HK$14.98M · loan HK$14.98M · min. income ≈ HK$145,212/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,273,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,007
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$78,046
−HK$2,068/mo
Today · 4.125%
HK$80,114
baseline
▲ 0.50% · 4.625%
HK$84,336
+HK$4,222/mo
Deposit HK$14.98M · loan HK$14.98M · min. income ≈ HK$160,228/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,273,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,986
−HK$5,141/mo
▼ 0.25% · 3.875%
HK$84,536
−HK$2,591/mo
Today · 4.125%
HK$87,127
baseline
▲ 0.50% · 4.625%
HK$92,429
+HK$5,302/mo
Deposit HK$11.98M · loan HK$17.98M · min. income ≈ HK$174,254/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,273,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,209
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$93,655
−HK$2,481/mo
Today · 4.125%
HK$96,136
baseline
▲ 0.50% · 4.625%
HK$101,204
+HK$5,068/mo
Deposit HK$11.98M · loan HK$17.98M · min. income ≈ HK$192,272/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,273,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,650
−HK$5,998/mo
▼ 0.25% · 3.875%
HK$98,626
−HK$3,022/mo
Today · 4.125%
HK$101,648
baseline
▲ 0.50% · 4.625%
HK$107,833
+HK$6,185/mo
Deposit HK$8.99M · loan HK$20.97M · min. income ≈ HK$203,296/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,273,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,410
−HK$5,749/mo
▼ 0.25% · 3.875%
HK$109,264
−HK$2,895/mo
Today · 4.125%
HK$112,159
baseline
▲ 0.50% · 4.625%
HK$118,071
+HK$5,912/mo
Deposit HK$8.99M · loan HK$20.97M · min. income ≈ HK$224,318/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,273,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,979
−HK$7,712/mo
▼ 0.25% · 3.875%
HK$126,804
−HK$3,887/mo
Today · 4.125%
HK$130,691
baseline
▲ 0.50% · 4.625%
HK$138,643
+HK$7,952/mo
Deposit HK$3.00M · loan HK$26.97M · min. income ≈ HK$261,382/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,813
−HK$7,391/mo
▼ 0.25% · 3.875%
HK$140,482
−HK$3,722/mo
Today · 4.125%
HK$144,204
baseline
▲ 0.50% · 4.625%
HK$151,806
+HK$7,602/mo
Deposit HK$3.00M · loan HK$26.97M · min. income ≈ HK$288,408/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,396 · Scale 2, in force from 26 Feb 2026)