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$66,500
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$68,568
−HK$2,102/mo
Today · 4.125%
HK$70,670
baseline
▲ 0.50% · 4.625%
HK$74,970
+HK$4,300/mo
Deposit HK$14.58M · loan HK$14.58M · min. income ≈ HK$141,340/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,239,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,980
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$75,964
−HK$2,013/mo
Today · 4.125%
HK$77,977
baseline
▲ 0.50% · 4.625%
HK$82,087
+HK$4,110/mo
Deposit HK$14.58M · loan HK$14.58M · min. income ≈ HK$155,954/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,239,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,800
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$82,282
−HK$2,522/mo
Today · 4.125%
HK$84,804
baseline
▲ 0.50% · 4.625%
HK$89,964
+HK$5,160/mo
Deposit HK$11.67M · loan HK$17.50M · min. income ≈ HK$169,608/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,239,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,776
−HK$4,797/mo
▼ 0.25% · 3.875%
HK$91,157
−HK$2,416/mo
Today · 4.125%
HK$93,573
baseline
▲ 0.50% · 4.625%
HK$98,505
+HK$4,932/mo
Deposit HK$11.67M · loan HK$17.50M · min. income ≈ HK$187,146/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,239,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,100
−HK$5,838/mo
▼ 0.25% · 3.875%
HK$95,995
−HK$2,943/mo
Today · 4.125%
HK$98,938
baseline
▲ 0.50% · 4.625%
HK$104,958
+HK$6,020/mo
Deposit HK$8.75M · loan HK$20.41M · min. income ≈ HK$197,876/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$1,239,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,572
−HK$5,596/mo
▼ 0.25% · 3.875%
HK$106,350
−HK$2,818/mo
Today · 4.125%
HK$109,168
baseline
▲ 0.50% · 4.625%
HK$114,922
+HK$5,754/mo
Deposit HK$8.75M · loan HK$20.41M · min. income ≈ HK$218,336/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$1,239,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,699
−HK$7,507/mo
▼ 0.25% · 3.875%
HK$123,423
−HK$3,783/mo
Today · 4.125%
HK$127,206
baseline
▲ 0.50% · 4.625%
HK$134,946
+HK$7,740/mo
Deposit HK$2.92M · loan HK$26.25M · min. income ≈ HK$254,412/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,239,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,164
−HK$7,195/mo
▼ 0.25% · 3.875%
HK$136,736
−HK$3,623/mo
Today · 4.125%
HK$140,359
baseline
▲ 0.50% · 4.625%
HK$147,757
+HK$7,398/mo
Deposit HK$2.92M · loan HK$26.25M · min. income ≈ HK$280,718/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,239,439 · Scale 2, in force from 26 Feb 2026)