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$68,305
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$70,430
−HK$2,158/mo
Today · 4.125%
HK$72,588
baseline
▲ 0.50% · 4.625%
HK$77,005
+HK$4,417/mo
Deposit HK$14.98M · loan HK$14.98M · min. income ≈ HK$145,176/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,273,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,989
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$78,027
−HK$2,067/mo
Today · 4.125%
HK$80,094
baseline
▲ 0.50% · 4.625%
HK$84,316
+HK$4,222/mo
Deposit HK$14.98M · loan HK$14.98M · min. income ≈ HK$160,188/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,273,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,966
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$84,516
−HK$2,590/mo
Today · 4.125%
HK$87,106
baseline
▲ 0.50% · 4.625%
HK$92,406
+HK$5,300/mo
Deposit HK$11.98M · loan HK$17.97M · min. income ≈ HK$174,212/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,273,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,186
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$93,632
−HK$2,481/mo
Today · 4.125%
HK$96,113
baseline
▲ 0.50% · 4.625%
HK$101,179
+HK$5,066/mo
Deposit HK$11.98M · loan HK$17.97M · min. income ≈ HK$192,226/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,273,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,627
−HK$5,997/mo
▼ 0.25% · 3.875%
HK$98,602
−HK$3,022/mo
Today · 4.125%
HK$101,624
baseline
▲ 0.50% · 4.625%
HK$107,807
+HK$6,183/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$1,273,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,384
−HK$5,748/mo
▼ 0.25% · 3.875%
HK$109,237
−HK$2,895/mo
Today · 4.125%
HK$112,132
baseline
▲ 0.50% · 4.625%
HK$118,042
+HK$5,910/mo
Deposit HK$8.99M · loan HK$20.97M · min. income ≈ HK$224,264/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,273,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,949
−HK$7,710/mo
▼ 0.25% · 3.875%
HK$126,773
−HK$3,886/mo
Today · 4.125%
HK$130,659
baseline
▲ 0.50% · 4.625%
HK$138,609
+HK$7,950/mo
Deposit HK$3.00M · loan HK$26.96M · min. income ≈ HK$261,318/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,780
−HK$7,389/mo
▼ 0.25% · 3.875%
HK$140,448
−HK$3,721/mo
Today · 4.125%
HK$144,169
baseline
▲ 0.50% · 4.625%
HK$151,769
+HK$7,600/mo
Deposit HK$3.00M · loan HK$26.96M · min. income ≈ HK$288,338/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,087 · Scale 2, in force from 26 Feb 2026)