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$66,371
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$68,436
−HK$2,097/mo
Today · 4.125%
HK$70,533
baseline
▲ 0.50% · 4.625%
HK$74,825
+HK$4,292/mo
Deposit HK$14.55M · loan HK$14.55M · min. income ≈ HK$141,066/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,237,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,837
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$75,818
−HK$2,008/mo
Today · 4.125%
HK$77,826
baseline
▲ 0.50% · 4.625%
HK$81,929
+HK$4,103/mo
Deposit HK$14.55M · loan HK$14.55M · min. income ≈ HK$155,652/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,237,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,645
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$82,123
−HK$2,517/mo
Today · 4.125%
HK$84,640
baseline
▲ 0.50% · 4.625%
HK$89,790
+HK$5,150/mo
Deposit HK$11.64M · loan HK$17.46M · min. income ≈ HK$169,280/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,237,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,605
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$90,981
−HK$2,411/mo
Today · 4.125%
HK$93,392
baseline
▲ 0.50% · 4.625%
HK$98,315
+HK$4,923/mo
Deposit HK$11.64M · loan HK$17.46M · min. income ≈ HK$186,784/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,237,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,920
−HK$5,827/mo
▼ 0.25% · 3.875%
HK$95,810
−HK$2,937/mo
Today · 4.125%
HK$98,747
baseline
▲ 0.50% · 4.625%
HK$104,755
+HK$6,008/mo
Deposit HK$8.73M · loan HK$20.37M · min. income ≈ HK$197,494/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,237,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,372
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$106,145
−HK$2,812/mo
Today · 4.125%
HK$108,957
baseline
▲ 0.50% · 4.625%
HK$114,700
+HK$5,743/mo
Deposit HK$8.73M · loan HK$20.37M · min. income ≈ HK$217,914/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,237,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,468
−HK$7,492/mo
▼ 0.25% · 3.875%
HK$123,184
−HK$3,776/mo
Today · 4.125%
HK$126,960
baseline
▲ 0.50% · 4.625%
HK$134,685
+HK$7,725/mo
Deposit HK$2.91M · loan HK$26.20M · min. income ≈ HK$253,920/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,907
−HK$7,181/mo
▼ 0.25% · 3.875%
HK$136,472
−HK$3,616/mo
Today · 4.125%
HK$140,088
baseline
▲ 0.50% · 4.625%
HK$147,472
+HK$7,384/mo
Deposit HK$2.91M · loan HK$26.20M · min. income ≈ HK$280,176/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,043 · Scale 2, in force from 26 Feb 2026)