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$66,181
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$68,240
−HK$2,091/mo
Today · 4.125%
HK$70,331
baseline
▲ 0.50% · 4.625%
HK$74,611
+HK$4,280/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$140,662/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,233,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,626
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$75,600
−HK$2,004/mo
Today · 4.125%
HK$77,604
baseline
▲ 0.50% · 4.625%
HK$81,694
+HK$4,090/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$155,208/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,233,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,417
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$81,888
−HK$2,510/mo
Today · 4.125%
HK$84,398
baseline
▲ 0.50% · 4.625%
HK$89,533
+HK$5,135/mo
Deposit HK$11.61M · loan HK$17.41M · min. income ≈ HK$168,796/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,233,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,351
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$90,721
−HK$2,403/mo
Today · 4.125%
HK$93,124
baseline
▲ 0.50% · 4.625%
HK$98,033
+HK$4,909/mo
Deposit HK$11.61M · loan HK$17.41M · min. income ≈ HK$186,248/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,233,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,654
−HK$5,810/mo
▼ 0.25% · 3.875%
HK$95,536
−HK$2,928/mo
Today · 4.125%
HK$98,464
baseline
▲ 0.50% · 4.625%
HK$104,455
+HK$5,991/mo
Deposit HK$8.71M · loan HK$20.32M · min. income ≈ HK$196,928/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,076
−HK$5,569/mo
▼ 0.25% · 3.875%
HK$105,841
−HK$2,804/mo
Today · 4.125%
HK$108,645
baseline
▲ 0.50% · 4.625%
HK$114,372
+HK$5,727/mo
Deposit HK$8.71M · loan HK$20.32M · min. income ≈ HK$217,290/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,126
−HK$7,470/mo
▼ 0.25% · 3.875%
HK$122,832
−HK$3,764/mo
Today · 4.125%
HK$126,596
baseline
▲ 0.50% · 4.625%
HK$134,299
+HK$7,703/mo
Deposit HK$2.90M · loan HK$26.12M · min. income ≈ HK$253,192/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,233,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,527
−HK$7,160/mo
▼ 0.25% · 3.875%
HK$136,081
−HK$3,606/mo
Today · 4.125%
HK$139,687
baseline
▲ 0.50% · 4.625%
HK$147,050
+HK$7,363/mo
Deposit HK$2.90M · loan HK$26.12M · min. income ≈ HK$279,374/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,233,501 · Scale 2, in force from 26 Feb 2026)