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$66,248
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$68,308
−HK$2,094/mo
Today · 4.125%
HK$70,402
baseline
▲ 0.50% · 4.625%
HK$74,686
+HK$4,284/mo
Deposit HK$14.53M · loan HK$14.53M · min. income ≈ HK$140,804/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,234,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,700
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$75,676
−HK$2,006/mo
Today · 4.125%
HK$77,682
baseline
▲ 0.50% · 4.625%
HK$81,776
+HK$4,094/mo
Deposit HK$14.53M · loan HK$14.53M · min. income ≈ HK$155,364/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,234,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,497
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$81,970
−HK$2,512/mo
Today · 4.125%
HK$84,482
baseline
▲ 0.50% · 4.625%
HK$89,623
+HK$5,141/mo
Deposit HK$11.62M · loan HK$17.43M · min. income ≈ HK$168,964/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,234,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,440
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$90,812
−HK$2,406/mo
Today · 4.125%
HK$93,218
baseline
▲ 0.50% · 4.625%
HK$98,132
+HK$4,914/mo
Deposit HK$11.62M · loan HK$17.43M · min. income ≈ HK$186,436/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,234,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,747
−HK$5,816/mo
▼ 0.25% · 3.875%
HK$95,632
−HK$2,931/mo
Today · 4.125%
HK$98,563
baseline
▲ 0.50% · 4.625%
HK$104,560
+HK$5,997/mo
Deposit HK$8.72M · loan HK$20.34M · min. income ≈ HK$197,126/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,234,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,180
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$105,947
−HK$2,807/mo
Today · 4.125%
HK$108,754
baseline
▲ 0.50% · 4.625%
HK$114,487
+HK$5,733/mo
Deposit HK$8.72M · loan HK$20.34M · min. income ≈ HK$217,508/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,234,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,246
−HK$7,478/mo
▼ 0.25% · 3.875%
HK$122,955
−HK$3,769/mo
Today · 4.125%
HK$126,724
baseline
▲ 0.50% · 4.625%
HK$134,434
+HK$7,710/mo
Deposit HK$2.91M · loan HK$26.15M · min. income ≈ HK$253,448/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,234,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,660
−HK$7,167/mo
▼ 0.25% · 3.875%
HK$136,218
−HK$3,609/mo
Today · 4.125%
HK$139,827
baseline
▲ 0.50% · 4.625%
HK$147,197
+HK$7,370/mo
Deposit HK$2.91M · loan HK$26.15M · min. income ≈ HK$279,654/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,234,741 · Scale 2, in force from 26 Feb 2026)