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$68,333
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$70,459
−HK$2,159/mo
Today · 4.125%
HK$72,618
baseline
▲ 0.50% · 4.625%
HK$77,037
+HK$4,419/mo
Deposit HK$14.98M · loan HK$14.98M · min. income ≈ HK$145,236/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,273,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,020
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$78,059
−HK$2,068/mo
Today · 4.125%
HK$80,127
baseline
▲ 0.50% · 4.625%
HK$84,351
+HK$4,224/mo
Deposit HK$14.98M · loan HK$14.98M · min. income ≈ HK$160,254/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,273,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,000
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$84,551
−HK$2,591/mo
Today · 4.125%
HK$87,142
baseline
▲ 0.50% · 4.625%
HK$92,444
+HK$5,302/mo
Deposit HK$11.99M · loan HK$17.98M · min. income ≈ HK$174,284/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,273,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,224
−HK$4,929/mo
▼ 0.25% · 3.875%
HK$93,671
−HK$2,482/mo
Today · 4.125%
HK$96,153
baseline
▲ 0.50% · 4.625%
HK$101,221
+HK$5,068/mo
Deposit HK$11.99M · loan HK$17.98M · min. income ≈ HK$192,306/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,273,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,667
−HK$5,999/mo
▼ 0.25% · 3.875%
HK$98,642
−HK$3,024/mo
Today · 4.125%
HK$101,666
baseline
▲ 0.50% · 4.625%
HK$107,852
+HK$6,186/mo
Deposit HK$8.99M · loan HK$20.98M · min. income ≈ HK$203,332/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,273,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,428
−HK$5,750/mo
▼ 0.25% · 3.875%
HK$109,283
−HK$2,895/mo
Today · 4.125%
HK$112,178
baseline
▲ 0.50% · 4.625%
HK$118,091
+HK$5,913/mo
Deposit HK$8.99M · loan HK$20.98M · min. income ≈ HK$224,356/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,273,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,000
−HK$7,713/mo
▼ 0.25% · 3.875%
HK$126,826
−HK$3,887/mo
Today · 4.125%
HK$130,713
baseline
▲ 0.50% · 4.625%
HK$138,667
+HK$7,954/mo
Deposit HK$3.00M · loan HK$26.97M · min. income ≈ HK$261,426/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,836
−HK$7,393/mo
▼ 0.25% · 3.875%
HK$140,506
−HK$3,723/mo
Today · 4.125%
HK$144,229
baseline
▲ 0.50% · 4.625%
HK$151,832
+HK$7,603/mo
Deposit HK$3.00M · loan HK$26.97M · min. income ≈ HK$288,458/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,614 · Scale 2, in force from 26 Feb 2026)