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$66,337
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$68,401
−HK$2,096/mo
Today · 4.125%
HK$70,497
baseline
▲ 0.50% · 4.625%
HK$74,787
+HK$4,290/mo
Deposit HK$14.55M · loan HK$14.55M · min. income ≈ HK$140,994/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,236,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,800
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$75,779
−HK$2,008/mo
Today · 4.125%
HK$77,787
baseline
▲ 0.50% · 4.625%
HK$81,887
+HK$4,100/mo
Deposit HK$14.55M · loan HK$14.55M · min. income ≈ HK$155,574/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,236,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,605
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$82,081
−HK$2,516/mo
Today · 4.125%
HK$84,597
baseline
▲ 0.50% · 4.625%
HK$89,744
+HK$5,147/mo
Deposit HK$11.64M · loan HK$17.46M · min. income ≈ HK$169,194/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,236,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,560
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$90,935
−HK$2,409/mo
Today · 4.125%
HK$93,344
baseline
▲ 0.50% · 4.625%
HK$98,265
+HK$4,921/mo
Deposit HK$11.64M · loan HK$17.46M · min. income ≈ HK$186,688/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,236,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,872
−HK$5,824/mo
▼ 0.25% · 3.875%
HK$95,761
−HK$2,935/mo
Today · 4.125%
HK$98,696
baseline
▲ 0.50% · 4.625%
HK$104,702
+HK$6,006/mo
Deposit HK$8.73M · loan HK$20.36M · min. income ≈ HK$197,392/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,236,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,320
−HK$5,582/mo
▼ 0.25% · 3.875%
HK$106,091
−HK$2,811/mo
Today · 4.125%
HK$108,902
baseline
▲ 0.50% · 4.625%
HK$114,642
+HK$5,740/mo
Deposit HK$8.73M · loan HK$20.36M · min. income ≈ HK$217,804/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,236,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,407
−HK$7,488/mo
▼ 0.25% · 3.875%
HK$123,122
−HK$3,773/mo
Today · 4.125%
HK$126,895
baseline
▲ 0.50% · 4.625%
HK$134,617
+HK$7,722/mo
Deposit HK$2.91M · loan HK$26.18M · min. income ≈ HK$253,790/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,236,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,840
−HK$7,176/mo
▼ 0.25% · 3.875%
HK$136,402
−HK$3,614/mo
Today · 4.125%
HK$140,016
baseline
▲ 0.50% · 4.625%
HK$147,397
+HK$7,381/mo
Deposit HK$2.91M · loan HK$26.18M · min. income ≈ HK$280,032/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,236,414 · Scale 2, in force from 26 Feb 2026)