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$66,490
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$68,558
−HK$2,101/mo
Today · 4.125%
HK$70,659
baseline
▲ 0.50% · 4.625%
HK$74,959
+HK$4,300/mo
Deposit HK$14.58M · loan HK$14.58M · min. income ≈ HK$141,318/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,239,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,969
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$75,953
−HK$2,013/mo
Today · 4.125%
HK$77,966
baseline
▲ 0.50% · 4.625%
HK$82,075
+HK$4,109/mo
Deposit HK$14.58M · loan HK$14.58M · min. income ≈ HK$155,932/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,239,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,788
−HK$5,003/mo
▼ 0.25% · 3.875%
HK$82,270
−HK$2,521/mo
Today · 4.125%
HK$84,791
baseline
▲ 0.50% · 4.625%
HK$89,951
+HK$5,160/mo
Deposit HK$11.66M · loan HK$17.50M · min. income ≈ HK$169,582/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,239,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,763
−HK$4,796/mo
▼ 0.25% · 3.875%
HK$91,144
−HK$2,415/mo
Today · 4.125%
HK$93,559
baseline
▲ 0.50% · 4.625%
HK$98,490
+HK$4,931/mo
Deposit HK$11.66M · loan HK$17.50M · min. income ≈ HK$187,118/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,239,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,086
−HK$5,837/mo
▼ 0.25% · 3.875%
HK$95,981
−HK$2,942/mo
Today · 4.125%
HK$98,923
baseline
▲ 0.50% · 4.625%
HK$104,942
+HK$6,019/mo
Deposit HK$8.75M · loan HK$20.41M · min. income ≈ HK$197,846/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$1,239,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,557
−HK$5,595/mo
▼ 0.25% · 3.875%
HK$106,334
−HK$2,818/mo
Today · 4.125%
HK$109,152
baseline
▲ 0.50% · 4.625%
HK$114,905
+HK$5,753/mo
Deposit HK$8.75M · loan HK$20.41M · min. income ≈ HK$218,304/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$1,239,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,682
−HK$7,505/mo
▼ 0.25% · 3.875%
HK$123,405
−HK$3,782/mo
Today · 4.125%
HK$127,187
baseline
▲ 0.50% · 4.625%
HK$134,926
+HK$7,739/mo
Deposit HK$2.92M · loan HK$26.24M · min. income ≈ HK$254,374/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,239,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,145
−HK$7,193/mo
▼ 0.25% · 3.875%
HK$136,716
−HK$3,622/mo
Today · 4.125%
HK$140,338
baseline
▲ 0.50% · 4.625%
HK$147,736
+HK$7,398/mo
Deposit HK$2.92M · loan HK$26.24M · min. income ≈ HK$280,676/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,239,255 · Scale 2, in force from 26 Feb 2026)