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$66,326
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$68,389
−HK$2,096/mo
Today · 4.125%
HK$70,485
baseline
▲ 0.50% · 4.625%
HK$74,774
+HK$4,289/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$140,970/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,236,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,787
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,766
−HK$2,007/mo
Today · 4.125%
HK$77,773
baseline
▲ 0.50% · 4.625%
HK$81,873
+HK$4,100/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$155,546/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,236,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,591
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$82,066
−HK$2,516/mo
Today · 4.125%
HK$84,582
baseline
▲ 0.50% · 4.625%
HK$89,728
+HK$5,146/mo
Deposit HK$11.63M · loan HK$17.45M · min. income ≈ HK$169,164/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,236,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,544
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$90,919
−HK$2,409/mo
Today · 4.125%
HK$93,328
baseline
▲ 0.50% · 4.625%
HK$98,247
+HK$4,919/mo
Deposit HK$11.63M · loan HK$17.45M · min. income ≈ HK$186,656/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,236,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,856
−HK$5,823/mo
▼ 0.25% · 3.875%
HK$95,744
−HK$2,935/mo
Today · 4.125%
HK$98,679
baseline
▲ 0.50% · 4.625%
HK$104,683
+HK$6,004/mo
Deposit HK$8.73M · loan HK$20.36M · min. income ≈ HK$197,358/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,236,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,301
−HK$5,581/mo
▼ 0.25% · 3.875%
HK$106,072
−HK$2,810/mo
Today · 4.125%
HK$108,882
baseline
▲ 0.50% · 4.625%
HK$114,622
+HK$5,740/mo
Deposit HK$8.73M · loan HK$20.36M · min. income ≈ HK$217,764/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,236,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,386
−HK$7,487/mo
▼ 0.25% · 3.875%
HK$123,100
−HK$3,773/mo
Today · 4.125%
HK$126,873
baseline
▲ 0.50% · 4.625%
HK$134,593
+HK$7,720/mo
Deposit HK$2.91M · loan HK$26.18M · min. income ≈ HK$253,746/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,236,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,816
−HK$7,176/mo
▼ 0.25% · 3.875%
HK$136,378
−HK$3,614/mo
Today · 4.125%
HK$139,992
baseline
▲ 0.50% · 4.625%
HK$147,371
+HK$7,379/mo
Deposit HK$2.91M · loan HK$26.18M · min. income ≈ HK$279,984/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,236,195 · Scale 2, in force from 26 Feb 2026)