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$66,299
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$68,362
−HK$2,095/mo
Today · 4.125%
HK$70,457
baseline
▲ 0.50% · 4.625%
HK$74,744
+HK$4,287/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$140,914/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,235,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,757
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$75,735
−HK$2,007/mo
Today · 4.125%
HK$77,742
baseline
▲ 0.50% · 4.625%
HK$81,840
+HK$4,098/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$155,484/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,235,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,559
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$82,034
−HK$2,514/mo
Today · 4.125%
HK$84,548
baseline
▲ 0.50% · 4.625%
HK$89,693
+HK$5,145/mo
Deposit HK$11.63M · loan HK$17.45M · min. income ≈ HK$169,096/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,235,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,509
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$90,883
−HK$2,408/mo
Today · 4.125%
HK$93,291
baseline
▲ 0.50% · 4.625%
HK$98,208
+HK$4,917/mo
Deposit HK$11.63M · loan HK$17.45M · min. income ≈ HK$186,582/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,235,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,819
−HK$5,821/mo
▼ 0.25% · 3.875%
HK$95,706
−HK$2,934/mo
Today · 4.125%
HK$98,640
baseline
▲ 0.50% · 4.625%
HK$104,642
+HK$6,002/mo
Deposit HK$8.72M · loan HK$20.35M · min. income ≈ HK$197,280/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,235,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,260
−HK$5,579/mo
▼ 0.25% · 3.875%
HK$106,030
−HK$2,809/mo
Today · 4.125%
HK$108,839
baseline
▲ 0.50% · 4.625%
HK$114,576
+HK$5,737/mo
Deposit HK$8.72M · loan HK$20.35M · min. income ≈ HK$217,678/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,235,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,339
−HK$7,483/mo
▼ 0.25% · 3.875%
HK$123,051
−HK$3,771/mo
Today · 4.125%
HK$126,822
baseline
▲ 0.50% · 4.625%
HK$134,539
+HK$7,717/mo
Deposit HK$2.91M · loan HK$26.17M · min. income ≈ HK$253,644/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,763
−HK$7,173/mo
▼ 0.25% · 3.875%
HK$136,324
−HK$3,612/mo
Today · 4.125%
HK$139,936
baseline
▲ 0.50% · 4.625%
HK$147,312
+HK$7,376/mo
Deposit HK$2.91M · loan HK$26.17M · min. income ≈ HK$279,872/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,704 · Scale 2, in force from 26 Feb 2026)