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$66,166
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$68,224
−HK$2,091/mo
Today · 4.125%
HK$70,315
baseline
▲ 0.50% · 4.625%
HK$74,593
+HK$4,278/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$140,630/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,233,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,609
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$75,583
−HK$2,002/mo
Today · 4.125%
HK$77,585
baseline
▲ 0.50% · 4.625%
HK$81,675
+HK$4,090/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$155,170/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,233,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,399
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$81,869
−HK$2,509/mo
Today · 4.125%
HK$84,378
baseline
▲ 0.50% · 4.625%
HK$89,512
+HK$5,134/mo
Deposit HK$11.61M · loan HK$17.41M · min. income ≈ HK$168,756/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,233,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,330
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$90,699
−HK$2,404/mo
Today · 4.125%
HK$93,103
baseline
▲ 0.50% · 4.625%
HK$98,010
+HK$4,907/mo
Deposit HK$11.61M · loan HK$17.41M · min. income ≈ HK$186,206/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,233,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,632
−HK$5,809/mo
▼ 0.25% · 3.875%
HK$95,513
−HK$2,928/mo
Today · 4.125%
HK$98,441
baseline
▲ 0.50% · 4.625%
HK$104,431
+HK$5,990/mo
Deposit HK$8.71M · loan HK$20.31M · min. income ≈ HK$196,882/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,052
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$105,816
−HK$2,804/mo
Today · 4.125%
HK$108,620
baseline
▲ 0.50% · 4.625%
HK$114,345
+HK$5,725/mo
Deposit HK$8.71M · loan HK$20.31M · min. income ≈ HK$217,240/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,098
−HK$7,469/mo
▼ 0.25% · 3.875%
HK$122,803
−HK$3,764/mo
Today · 4.125%
HK$126,567
baseline
▲ 0.50% · 4.625%
HK$134,268
+HK$7,701/mo
Deposit HK$2.90M · loan HK$26.12M · min. income ≈ HK$253,134/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,233,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,495
−HK$7,159/mo
▼ 0.25% · 3.875%
HK$136,049
−HK$3,605/mo
Today · 4.125%
HK$139,654
baseline
▲ 0.50% · 4.625%
HK$147,015
+HK$7,361/mo
Deposit HK$2.90M · loan HK$26.12M · min. income ≈ HK$279,308/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,233,212 · Scale 2, in force from 26 Feb 2026)