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$68,359
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$70,485
−HK$2,161/mo
Today · 4.125%
HK$72,646
baseline
▲ 0.50% · 4.625%
HK$77,066
+HK$4,420/mo
Deposit HK$14.99M · loan HK$14.99M · min. income ≈ HK$145,292/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,274,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,049
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$78,088
−HK$2,070/mo
Today · 4.125%
HK$80,158
baseline
▲ 0.50% · 4.625%
HK$84,383
+HK$4,225/mo
Deposit HK$14.99M · loan HK$14.99M · min. income ≈ HK$160,316/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,274,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,031
−HK$5,144/mo
▼ 0.25% · 3.875%
HK$84,583
−HK$2,592/mo
Today · 4.125%
HK$87,175
baseline
▲ 0.50% · 4.625%
HK$92,479
+HK$5,304/mo
Deposit HK$11.99M · loan HK$17.99M · min. income ≈ HK$174,350/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,274,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,259
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$93,706
−HK$2,483/mo
Today · 4.125%
HK$96,189
baseline
▲ 0.50% · 4.625%
HK$101,259
+HK$5,070/mo
Deposit HK$11.99M · loan HK$17.99M · min. income ≈ HK$192,378/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,274,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,703
−HK$6,001/mo
▼ 0.25% · 3.875%
HK$98,680
−HK$3,024/mo
Today · 4.125%
HK$101,704
baseline
▲ 0.50% · 4.625%
HK$107,893
+HK$6,189/mo
Deposit HK$8.99M · loan HK$20.99M · min. income ≈ HK$203,408/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$1,274,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,468
−HK$5,753/mo
▼ 0.25% · 3.875%
HK$109,324
−HK$2,897/mo
Today · 4.125%
HK$112,221
baseline
▲ 0.50% · 4.625%
HK$118,136
+HK$5,915/mo
Deposit HK$8.99M · loan HK$20.99M · min. income ≈ HK$224,442/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$1,274,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,046
−HK$7,717/mo
▼ 0.25% · 3.875%
HK$126,874
−HK$3,889/mo
Today · 4.125%
HK$130,763
baseline
▲ 0.50% · 4.625%
HK$138,719
+HK$7,956/mo
Deposit HK$3.00M · loan HK$26.98M · min. income ≈ HK$261,526/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,274,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,888
−HK$7,396/mo
▼ 0.25% · 3.875%
HK$140,559
−HK$3,725/mo
Today · 4.125%
HK$144,284
baseline
▲ 0.50% · 4.625%
HK$151,889
+HK$7,605/mo
Deposit HK$3.00M · loan HK$26.98M · min. income ≈ HK$288,568/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,274,095 · Scale 2, in force from 26 Feb 2026)