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$66,265
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$68,326
−HK$2,095/mo
Today · 4.125%
HK$70,421
baseline
▲ 0.50% · 4.625%
HK$74,706
+HK$4,285/mo
Deposit HK$14.53M · loan HK$14.53M · min. income ≈ HK$140,842/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,235,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,719
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$75,696
−HK$2,006/mo
Today · 4.125%
HK$77,702
baseline
▲ 0.50% · 4.625%
HK$81,798
+HK$4,096/mo
Deposit HK$14.53M · loan HK$14.53M · min. income ≈ HK$155,404/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,235,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,518
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$81,992
−HK$2,513/mo
Today · 4.125%
HK$84,505
baseline
▲ 0.50% · 4.625%
HK$89,647
+HK$5,142/mo
Deposit HK$11.62M · loan HK$17.44M · min. income ≈ HK$169,010/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,235,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,463
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$90,836
−HK$2,407/mo
Today · 4.125%
HK$93,243
baseline
▲ 0.50% · 4.625%
HK$98,158
+HK$4,915/mo
Deposit HK$11.62M · loan HK$17.44M · min. income ≈ HK$186,486/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,235,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,771
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$95,657
−HK$2,932/mo
Today · 4.125%
HK$98,589
baseline
▲ 0.50% · 4.625%
HK$104,588
+HK$5,999/mo
Deposit HK$8.72M · loan HK$20.34M · min. income ≈ HK$197,178/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,235,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,207
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$105,975
−HK$2,808/mo
Today · 4.125%
HK$108,783
baseline
▲ 0.50% · 4.625%
HK$114,517
+HK$5,734/mo
Deposit HK$8.72M · loan HK$20.34M · min. income ≈ HK$217,566/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,235,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,277
−HK$7,480/mo
▼ 0.25% · 3.875%
HK$122,988
−HK$3,769/mo
Today · 4.125%
HK$126,757
baseline
▲ 0.50% · 4.625%
HK$134,470
+HK$7,713/mo
Deposit HK$2.91M · loan HK$26.15M · min. income ≈ HK$253,514/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,695
−HK$7,169/mo
▼ 0.25% · 3.875%
HK$136,254
−HK$3,610/mo
Today · 4.125%
HK$139,864
baseline
▲ 0.50% · 4.625%
HK$147,236
+HK$7,372/mo
Deposit HK$2.91M · loan HK$26.15M · min. income ≈ HK$279,728/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,068 · Scale 2, in force from 26 Feb 2026)