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$66,383
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$68,448
−HK$2,097/mo
Today · 4.125%
HK$70,545
baseline
▲ 0.50% · 4.625%
HK$74,838
+HK$4,293/mo
Deposit HK$14.56M · loan HK$14.56M · min. income ≈ HK$141,090/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,237,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,850
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$75,831
−HK$2,009/mo
Today · 4.125%
HK$77,840
baseline
▲ 0.50% · 4.625%
HK$81,943
+HK$4,103/mo
Deposit HK$14.56M · loan HK$14.56M · min. income ≈ HK$155,680/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,237,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,659
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$82,137
−HK$2,518/mo
Today · 4.125%
HK$84,655
baseline
▲ 0.50% · 4.625%
HK$89,806
+HK$5,151/mo
Deposit HK$11.64M · loan HK$17.47M · min. income ≈ HK$169,310/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,237,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,620
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$90,997
−HK$2,411/mo
Today · 4.125%
HK$93,408
baseline
▲ 0.50% · 4.625%
HK$98,332
+HK$4,924/mo
Deposit HK$11.64M · loan HK$17.47M · min. income ≈ HK$186,816/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,237,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,936
−HK$5,828/mo
▼ 0.25% · 3.875%
HK$95,827
−HK$2,937/mo
Today · 4.125%
HK$98,764
baseline
▲ 0.50% · 4.625%
HK$104,773
+HK$6,009/mo
Deposit HK$8.73M · loan HK$20.38M · min. income ≈ HK$197,528/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,237,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,390
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$106,163
−HK$2,813/mo
Today · 4.125%
HK$108,976
baseline
▲ 0.50% · 4.625%
HK$114,720
+HK$5,744/mo
Deposit HK$8.73M · loan HK$20.38M · min. income ≈ HK$217,952/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,237,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,489
−HK$7,493/mo
▼ 0.25% · 3.875%
HK$123,206
−HK$3,776/mo
Today · 4.125%
HK$126,982
baseline
▲ 0.50% · 4.625%
HK$134,708
+HK$7,726/mo
Deposit HK$2.91M · loan HK$26.20M · min. income ≈ HK$253,964/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,930
−HK$7,182/mo
▼ 0.25% · 3.875%
HK$136,495
−HK$3,617/mo
Today · 4.125%
HK$140,112
baseline
▲ 0.50% · 4.625%
HK$147,497
+HK$7,385/mo
Deposit HK$2.91M · loan HK$26.20M · min. income ≈ HK$280,224/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,257 · Scale 2, in force from 26 Feb 2026)