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$66,510
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$68,579
−HK$2,102/mo
Today · 4.125%
HK$70,681
baseline
▲ 0.50% · 4.625%
HK$74,982
+HK$4,301/mo
Deposit HK$14.58M · loan HK$14.58M · min. income ≈ HK$141,362/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,239,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,992
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$75,977
−HK$2,013/mo
Today · 4.125%
HK$77,990
baseline
▲ 0.50% · 4.625%
HK$82,101
+HK$4,111/mo
Deposit HK$14.58M · loan HK$14.58M · min. income ≈ HK$155,980/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,239,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,812
−HK$5,005/mo
▼ 0.25% · 3.875%
HK$82,295
−HK$2,522/mo
Today · 4.125%
HK$84,817
baseline
▲ 0.50% · 4.625%
HK$89,978
+HK$5,161/mo
Deposit HK$11.67M · loan HK$17.50M · min. income ≈ HK$169,634/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,239,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,791
−HK$4,797/mo
▼ 0.25% · 3.875%
HK$91,172
−HK$2,416/mo
Today · 4.125%
HK$93,588
baseline
▲ 0.50% · 4.625%
HK$98,521
+HK$4,933/mo
Deposit HK$11.67M · loan HK$17.50M · min. income ≈ HK$187,176/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,239,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,115
−HK$5,839/mo
▼ 0.25% · 3.875%
HK$96,011
−HK$2,943/mo
Today · 4.125%
HK$98,954
baseline
▲ 0.50% · 4.625%
HK$104,975
+HK$6,021/mo
Deposit HK$8.75M · loan HK$20.42M · min. income ≈ HK$197,908/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$1,239,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,589
−HK$5,597/mo
▼ 0.25% · 3.875%
HK$106,367
−HK$2,819/mo
Today · 4.125%
HK$109,186
baseline
▲ 0.50% · 4.625%
HK$114,941
+HK$5,755/mo
Deposit HK$8.75M · loan HK$20.42M · min. income ≈ HK$218,372/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$1,239,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,719
−HK$7,507/mo
▼ 0.25% · 3.875%
HK$123,443
−HK$3,783/mo
Today · 4.125%
HK$127,226
baseline
▲ 0.50% · 4.625%
HK$134,968
+HK$7,742/mo
Deposit HK$2.92M · loan HK$26.25M · min. income ≈ HK$254,452/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,239,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,186
−HK$7,196/mo
▼ 0.25% · 3.875%
HK$136,758
−HK$3,624/mo
Today · 4.125%
HK$140,382
baseline
▲ 0.50% · 4.625%
HK$147,781
+HK$7,399/mo
Deposit HK$2.92M · loan HK$26.25M · min. income ≈ HK$280,764/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,239,638 · Scale 2, in force from 26 Feb 2026)