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$66,177
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$68,236
−HK$2,091/mo
Today · 4.125%
HK$70,327
baseline
▲ 0.50% · 4.625%
HK$74,607
+HK$4,280/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$140,654/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,233,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,622
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$75,596
−HK$2,003/mo
Today · 4.125%
HK$77,599
baseline
▲ 0.50% · 4.625%
HK$81,690
+HK$4,091/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$155,198/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,233,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,413
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$81,883
−HK$2,510/mo
Today · 4.125%
HK$84,393
baseline
▲ 0.50% · 4.625%
HK$89,528
+HK$5,135/mo
Deposit HK$11.61M · loan HK$17.41M · min. income ≈ HK$168,786/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,233,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,346
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$90,715
−HK$2,404/mo
Today · 4.125%
HK$93,119
baseline
▲ 0.50% · 4.625%
HK$98,028
+HK$4,909/mo
Deposit HK$11.61M · loan HK$17.41M · min. income ≈ HK$186,238/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,233,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,648
−HK$5,810/mo
▼ 0.25% · 3.875%
HK$95,530
−HK$2,928/mo
Today · 4.125%
HK$98,458
baseline
▲ 0.50% · 4.625%
HK$104,449
+HK$5,991/mo
Deposit HK$8.71M · loan HK$20.32M · min. income ≈ HK$196,916/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,070
−HK$5,569/mo
▼ 0.25% · 3.875%
HK$105,835
−HK$2,804/mo
Today · 4.125%
HK$108,639
baseline
▲ 0.50% · 4.625%
HK$114,365
+HK$5,726/mo
Deposit HK$8.71M · loan HK$20.32M · min. income ≈ HK$217,278/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,119
−HK$7,470/mo
▼ 0.25% · 3.875%
HK$122,825
−HK$3,764/mo
Today · 4.125%
HK$126,589
baseline
▲ 0.50% · 4.625%
HK$134,292
+HK$7,703/mo
Deposit HK$2.90M · loan HK$26.12M · min. income ≈ HK$253,178/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,233,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,519
−HK$7,160/mo
▼ 0.25% · 3.875%
HK$136,073
−HK$3,606/mo
Today · 4.125%
HK$139,679
baseline
▲ 0.50% · 4.625%
HK$147,041
+HK$7,362/mo
Deposit HK$2.90M · loan HK$26.12M · min. income ≈ HK$279,358/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,233,432 · Scale 2, in force from 26 Feb 2026)