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$68,297
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$70,421
−HK$2,159/mo
Today · 4.125%
HK$72,580
baseline
▲ 0.50% · 4.625%
HK$76,996
+HK$4,416/mo
Deposit HK$14.98M · loan HK$14.98M · min. income ≈ HK$145,160/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,272,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,979
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$78,017
−HK$2,067/mo
Today · 4.125%
HK$80,084
baseline
▲ 0.50% · 4.625%
HK$84,306
+HK$4,222/mo
Deposit HK$14.98M · loan HK$14.98M · min. income ≈ HK$160,168/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,272,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,956
−HK$5,139/mo
▼ 0.25% · 3.875%
HK$84,505
−HK$2,590/mo
Today · 4.125%
HK$87,095
baseline
▲ 0.50% · 4.625%
HK$92,395
+HK$5,300/mo
Deposit HK$11.98M · loan HK$17.97M · min. income ≈ HK$174,190/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,272,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,175
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$93,621
−HK$2,480/mo
Today · 4.125%
HK$96,101
baseline
▲ 0.50% · 4.625%
HK$101,167
+HK$5,066/mo
Deposit HK$11.98M · loan HK$17.97M · min. income ≈ HK$192,202/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,272,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,615
−HK$5,996/mo
▼ 0.25% · 3.875%
HK$98,590
−HK$3,021/mo
Today · 4.125%
HK$101,611
baseline
▲ 0.50% · 4.625%
HK$107,794
+HK$6,183/mo
Deposit HK$8.99M · loan HK$20.97M · min. income ≈ HK$203,222/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,272,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,371
−HK$5,747/mo
▼ 0.25% · 3.875%
HK$109,224
−HK$2,894/mo
Today · 4.125%
HK$112,118
baseline
▲ 0.50% · 4.625%
HK$118,028
+HK$5,910/mo
Deposit HK$8.99M · loan HK$20.97M · min. income ≈ HK$224,236/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,272,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,934
−HK$7,709/mo
▼ 0.25% · 3.875%
HK$126,758
−HK$3,885/mo
Today · 4.125%
HK$130,643
baseline
▲ 0.50% · 4.625%
HK$138,593
+HK$7,950/mo
Deposit HK$3.00M · loan HK$26.96M · min. income ≈ HK$261,286/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,272,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,763
−HK$7,389/mo
▼ 0.25% · 3.875%
HK$140,431
−HK$3,721/mo
Today · 4.125%
HK$144,152
baseline
▲ 0.50% · 4.625%
HK$151,750
+HK$7,598/mo
Deposit HK$3.00M · loan HK$26.96M · min. income ≈ HK$288,304/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,272,932 · Scale 2, in force from 26 Feb 2026)