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$68,317
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$70,442
−HK$2,159/mo
Today · 4.125%
HK$72,601
baseline
▲ 0.50% · 4.625%
HK$77,019
+HK$4,418/mo
Deposit HK$14.98M · loan HK$14.98M · min. income ≈ HK$145,202/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,273,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,002
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$78,041
−HK$2,067/mo
Today · 4.125%
HK$80,108
baseline
▲ 0.50% · 4.625%
HK$84,331
+HK$4,223/mo
Deposit HK$14.98M · loan HK$14.98M · min. income ≈ HK$160,216/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,273,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,981
−HK$5,141/mo
▼ 0.25% · 3.875%
HK$84,531
−HK$2,591/mo
Today · 4.125%
HK$87,122
baseline
▲ 0.50% · 4.625%
HK$92,423
+HK$5,301/mo
Deposit HK$11.98M · loan HK$17.98M · min. income ≈ HK$174,244/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,273,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,203
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$93,649
−HK$2,481/mo
Today · 4.125%
HK$96,130
baseline
▲ 0.50% · 4.625%
HK$101,197
+HK$5,067/mo
Deposit HK$11.98M · loan HK$17.98M · min. income ≈ HK$192,260/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,273,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,644
−HK$5,998/mo
▼ 0.25% · 3.875%
HK$98,619
−HK$3,023/mo
Today · 4.125%
HK$101,642
baseline
▲ 0.50% · 4.625%
HK$107,827
+HK$6,185/mo
Deposit HK$8.99M · loan HK$20.97M · min. income ≈ HK$203,284/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,273,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,403
−HK$5,749/mo
▼ 0.25% · 3.875%
HK$109,257
−HK$2,895/mo
Today · 4.125%
HK$112,152
baseline
▲ 0.50% · 4.625%
HK$118,064
+HK$5,912/mo
Deposit HK$8.99M · loan HK$20.97M · min. income ≈ HK$224,304/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,273,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,971
−HK$7,712/mo
▼ 0.25% · 3.875%
HK$126,796
−HK$3,887/mo
Today · 4.125%
HK$130,683
baseline
▲ 0.50% · 4.625%
HK$138,634
+HK$7,951/mo
Deposit HK$3.00M · loan HK$26.96M · min. income ≈ HK$261,366/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,804
−HK$7,391/mo
▼ 0.25% · 3.875%
HK$140,473
−HK$3,722/mo
Today · 4.125%
HK$144,195
baseline
▲ 0.50% · 4.625%
HK$151,796
+HK$7,601/mo
Deposit HK$3.00M · loan HK$26.96M · min. income ≈ HK$288,390/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,316 · Scale 2, in force from 26 Feb 2026)