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$65,900
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$67,950
−HK$2,083/mo
Today · 4.125%
HK$70,033
baseline
▲ 0.50% · 4.625%
HK$74,294
+HK$4,261/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$140,066/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,228,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,313
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$75,279
−HK$1,995/mo
Today · 4.125%
HK$77,274
baseline
▲ 0.50% · 4.625%
HK$81,347
+HK$4,073/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$154,548/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,228,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,080
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$81,540
−HK$2,499/mo
Today · 4.125%
HK$84,039
baseline
▲ 0.50% · 4.625%
HK$89,153
+HK$5,114/mo
Deposit HK$11.56M · loan HK$17.34M · min. income ≈ HK$168,078/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,228,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,976
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$90,335
−HK$2,394/mo
Today · 4.125%
HK$92,729
baseline
▲ 0.50% · 4.625%
HK$97,617
+HK$4,888/mo
Deposit HK$11.56M · loan HK$17.34M · min. income ≈ HK$185,458/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,228,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,260
−HK$5,786/mo
▼ 0.25% · 3.875%
HK$95,130
−HK$2,916/mo
Today · 4.125%
HK$98,046
baseline
▲ 0.50% · 4.625%
HK$104,012
+HK$5,966/mo
Deposit HK$8.67M · loan HK$20.23M · min. income ≈ HK$196,092/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,228,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,638
−HK$5,546/mo
▼ 0.25% · 3.875%
HK$105,391
−HK$2,793/mo
Today · 4.125%
HK$108,184
baseline
▲ 0.50% · 4.625%
HK$113,886
+HK$5,702/mo
Deposit HK$8.67M · loan HK$20.23M · min. income ≈ HK$216,368/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,228,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,620
−HK$7,439/mo
▼ 0.25% · 3.875%
HK$122,310
−HK$3,749/mo
Today · 4.125%
HK$126,059
baseline
▲ 0.50% · 4.625%
HK$133,729
+HK$7,670/mo
Deposit HK$2.89M · loan HK$26.01M · min. income ≈ HK$252,118/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,228,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,964
−HK$7,129/mo
▼ 0.25% · 3.875%
HK$135,503
−HK$3,590/mo
Today · 4.125%
HK$139,093
baseline
▲ 0.50% · 4.625%
HK$146,425
+HK$7,332/mo
Deposit HK$2.89M · loan HK$26.01M · min. income ≈ HK$278,186/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,228,263 · Scale 2, in force from 26 Feb 2026)