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$68,327
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$70,452
−HK$2,160/mo
Today · 4.125%
HK$72,612
baseline
▲ 0.50% · 4.625%
HK$77,030
+HK$4,418/mo
Deposit HK$14.98M · loan HK$14.98M · min. income ≈ HK$145,224/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,273,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,013
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$78,052
−HK$2,068/mo
Today · 4.125%
HK$80,120
baseline
▲ 0.50% · 4.625%
HK$84,343
+HK$4,223/mo
Deposit HK$14.98M · loan HK$14.98M · min. income ≈ HK$160,240/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,273,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,993
−HK$5,141/mo
▼ 0.25% · 3.875%
HK$84,543
−HK$2,591/mo
Today · 4.125%
HK$87,134
baseline
▲ 0.50% · 4.625%
HK$92,436
+HK$5,302/mo
Deposit HK$11.99M · loan HK$17.98M · min. income ≈ HK$174,268/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,273,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,216
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$93,662
−HK$2,482/mo
Today · 4.125%
HK$96,144
baseline
▲ 0.50% · 4.625%
HK$101,212
+HK$5,068/mo
Deposit HK$11.99M · loan HK$17.98M · min. income ≈ HK$192,288/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,273,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,658
−HK$5,999/mo
▼ 0.25% · 3.875%
HK$98,633
−HK$3,024/mo
Today · 4.125%
HK$101,657
baseline
▲ 0.50% · 4.625%
HK$107,842
+HK$6,185/mo
Deposit HK$8.99M · loan HK$20.98M · min. income ≈ HK$203,314/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,273,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,418
−HK$5,750/mo
▼ 0.25% · 3.875%
HK$109,273
−HK$2,895/mo
Today · 4.125%
HK$112,168
baseline
▲ 0.50% · 4.625%
HK$118,080
+HK$5,912/mo
Deposit HK$8.99M · loan HK$20.98M · min. income ≈ HK$224,336/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,273,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,989
−HK$7,712/mo
▼ 0.25% · 3.875%
HK$126,814
−HK$3,887/mo
Today · 4.125%
HK$130,701
baseline
▲ 0.50% · 4.625%
HK$138,654
+HK$7,953/mo
Deposit HK$3.00M · loan HK$26.97M · min. income ≈ HK$261,402/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,824
−HK$7,392/mo
▼ 0.25% · 3.875%
HK$140,493
−HK$3,723/mo
Today · 4.125%
HK$144,216
baseline
▲ 0.50% · 4.625%
HK$151,818
+HK$7,602/mo
Deposit HK$3.00M · loan HK$26.97M · min. income ≈ HK$288,432/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,498 · Scale 2, in force from 26 Feb 2026)