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$66,273
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$68,335
−HK$2,094/mo
Today · 4.125%
HK$70,429
baseline
▲ 0.50% · 4.625%
HK$74,715
+HK$4,286/mo
Deposit HK$14.53M · loan HK$14.53M · min. income ≈ HK$140,858/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,235,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,728
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$75,706
−HK$2,006/mo
Today · 4.125%
HK$77,712
baseline
▲ 0.50% · 4.625%
HK$81,808
+HK$4,096/mo
Deposit HK$14.53M · loan HK$14.53M · min. income ≈ HK$155,424/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,235,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,528
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$82,002
−HK$2,513/mo
Today · 4.125%
HK$84,515
baseline
▲ 0.50% · 4.625%
HK$89,658
+HK$5,143/mo
Deposit HK$11.63M · loan HK$17.44M · min. income ≈ HK$169,030/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,235,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,474
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$90,847
−HK$2,407/mo
Today · 4.125%
HK$93,254
baseline
▲ 0.50% · 4.625%
HK$98,170
+HK$4,916/mo
Deposit HK$11.63M · loan HK$17.44M · min. income ≈ HK$186,508/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,235,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,783
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$95,669
−HK$2,932/mo
Today · 4.125%
HK$98,601
baseline
▲ 0.50% · 4.625%
HK$104,601
+HK$6,000/mo
Deposit HK$8.72M · loan HK$20.34M · min. income ≈ HK$197,202/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,235,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,220
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$105,988
−HK$2,808/mo
Today · 4.125%
HK$108,796
baseline
▲ 0.50% · 4.625%
HK$114,531
+HK$5,735/mo
Deposit HK$8.72M · loan HK$20.34M · min. income ≈ HK$217,592/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,235,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,292
−HK$7,481/mo
▼ 0.25% · 3.875%
HK$123,003
−HK$3,770/mo
Today · 4.125%
HK$126,773
baseline
▲ 0.50% · 4.625%
HK$134,486
+HK$7,713/mo
Deposit HK$2.91M · loan HK$26.16M · min. income ≈ HK$253,546/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,711
−HK$7,170/mo
▼ 0.25% · 3.875%
HK$136,270
−HK$3,611/mo
Today · 4.125%
HK$139,881
baseline
▲ 0.50% · 4.625%
HK$147,254
+HK$7,373/mo
Deposit HK$2.91M · loan HK$26.16M · min. income ≈ HK$279,762/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,219 · Scale 2, in force from 26 Feb 2026)