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$66,359
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$68,423
−HK$2,097/mo
Today · 4.125%
HK$70,520
baseline
▲ 0.50% · 4.625%
HK$74,811
+HK$4,291/mo
Deposit HK$14.55M · loan HK$14.55M · min. income ≈ HK$141,040/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,236,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,823
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$75,803
−HK$2,009/mo
Today · 4.125%
HK$77,812
baseline
▲ 0.50% · 4.625%
HK$81,913
+HK$4,101/mo
Deposit HK$14.55M · loan HK$14.55M · min. income ≈ HK$155,624/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,236,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,630
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$82,107
−HK$2,517/mo
Today · 4.125%
HK$84,624
baseline
▲ 0.50% · 4.625%
HK$89,773
+HK$5,149/mo
Deposit HK$11.64M · loan HK$17.46M · min. income ≈ HK$169,248/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,236,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,588
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$90,964
−HK$2,410/mo
Today · 4.125%
HK$93,374
baseline
▲ 0.50% · 4.625%
HK$98,296
+HK$4,922/mo
Deposit HK$11.64M · loan HK$17.46M · min. income ≈ HK$186,748/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,236,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,902
−HK$5,826/mo
▼ 0.25% · 3.875%
HK$95,792
−HK$2,936/mo
Today · 4.125%
HK$98,728
baseline
▲ 0.50% · 4.625%
HK$104,735
+HK$6,007/mo
Deposit HK$8.73M · loan HK$20.37M · min. income ≈ HK$197,456/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,236,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,352
−HK$5,584/mo
▼ 0.25% · 3.875%
HK$106,124
−HK$2,812/mo
Today · 4.125%
HK$108,936
baseline
▲ 0.50% · 4.625%
HK$114,678
+HK$5,742/mo
Deposit HK$8.73M · loan HK$20.37M · min. income ≈ HK$217,872/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,236,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,445
−HK$7,491/mo
▼ 0.25% · 3.875%
HK$123,161
−HK$3,775/mo
Today · 4.125%
HK$126,936
baseline
▲ 0.50% · 4.625%
HK$134,659
+HK$7,723/mo
Deposit HK$2.91M · loan HK$26.19M · min. income ≈ HK$253,872/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,236,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,882
−HK$7,179/mo
▼ 0.25% · 3.875%
HK$136,446
−HK$3,615/mo
Today · 4.125%
HK$140,061
baseline
▲ 0.50% · 4.625%
HK$147,444
+HK$7,383/mo
Deposit HK$2.91M · loan HK$26.19M · min. income ≈ HK$280,122/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,236,807 · Scale 2, in force from 26 Feb 2026)