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$66,340
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$68,404
−HK$2,096/mo
Today · 4.125%
HK$70,500
baseline
▲ 0.50% · 4.625%
HK$74,790
+HK$4,290/mo
Deposit HK$14.55M · loan HK$14.55M · min. income ≈ HK$141,000/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,236,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,803
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$75,782
−HK$2,008/mo
Today · 4.125%
HK$77,790
baseline
▲ 0.50% · 4.625%
HK$81,891
+HK$4,101/mo
Deposit HK$14.55M · loan HK$14.55M · min. income ≈ HK$155,580/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,236,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,608
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$82,085
−HK$2,515/mo
Today · 4.125%
HK$84,600
baseline
▲ 0.50% · 4.625%
HK$89,748
+HK$5,148/mo
Deposit HK$11.64M · loan HK$17.46M · min. income ≈ HK$169,200/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,236,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,563
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$90,939
−HK$2,409/mo
Today · 4.125%
HK$93,348
baseline
▲ 0.50% · 4.625%
HK$98,269
+HK$4,921/mo
Deposit HK$11.64M · loan HK$17.46M · min. income ≈ HK$186,696/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,236,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,876
−HK$5,824/mo
▼ 0.25% · 3.875%
HK$95,765
−HK$2,935/mo
Today · 4.125%
HK$98,700
baseline
▲ 0.50% · 4.625%
HK$104,706
+HK$6,006/mo
Deposit HK$8.73M · loan HK$20.37M · min. income ≈ HK$197,400/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,236,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,324
−HK$5,582/mo
▼ 0.25% · 3.875%
HK$106,095
−HK$2,811/mo
Today · 4.125%
HK$108,906
baseline
▲ 0.50% · 4.625%
HK$114,647
+HK$5,741/mo
Deposit HK$8.73M · loan HK$20.37M · min. income ≈ HK$217,812/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,236,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,412
−HK$7,489/mo
▼ 0.25% · 3.875%
HK$123,127
−HK$3,774/mo
Today · 4.125%
HK$126,901
baseline
▲ 0.50% · 4.625%
HK$134,622
+HK$7,721/mo
Deposit HK$2.91M · loan HK$26.18M · min. income ≈ HK$253,802/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,236,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,845
−HK$7,177/mo
▼ 0.25% · 3.875%
HK$136,408
−HK$3,614/mo
Today · 4.125%
HK$140,022
baseline
▲ 0.50% · 4.625%
HK$147,403
+HK$7,381/mo
Deposit HK$2.91M · loan HK$26.18M · min. income ≈ HK$280,044/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,236,466 · Scale 2, in force from 26 Feb 2026)