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$66,242
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$68,302
−HK$2,094/mo
Today · 4.125%
HK$70,396
baseline
▲ 0.50% · 4.625%
HK$74,679
+HK$4,283/mo
Deposit HK$14.53M · loan HK$14.53M · min. income ≈ HK$140,792/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,234,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,694
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$75,670
−HK$2,005/mo
Today · 4.125%
HK$77,675
baseline
▲ 0.50% · 4.625%
HK$81,769
+HK$4,094/mo
Deposit HK$14.53M · loan HK$14.53M · min. income ≈ HK$155,350/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,234,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,490
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$81,963
−HK$2,512/mo
Today · 4.125%
HK$84,475
baseline
▲ 0.50% · 4.625%
HK$89,615
+HK$5,140/mo
Deposit HK$11.62M · loan HK$17.43M · min. income ≈ HK$168,950/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,234,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,432
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$90,804
−HK$2,406/mo
Today · 4.125%
HK$93,210
baseline
▲ 0.50% · 4.625%
HK$98,123
+HK$4,913/mo
Deposit HK$11.62M · loan HK$17.43M · min. income ≈ HK$186,420/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,234,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,739
−HK$5,815/mo
▼ 0.25% · 3.875%
HK$95,623
−HK$2,931/mo
Today · 4.125%
HK$98,554
baseline
▲ 0.50% · 4.625%
HK$104,551
+HK$5,997/mo
Deposit HK$8.72M · loan HK$20.34M · min. income ≈ HK$197,108/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,234,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,171
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$105,938
−HK$2,807/mo
Today · 4.125%
HK$108,745
baseline
▲ 0.50% · 4.625%
HK$114,477
+HK$5,732/mo
Deposit HK$8.72M · loan HK$20.34M · min. income ≈ HK$217,490/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,234,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,236
−HK$7,477/mo
▼ 0.25% · 3.875%
HK$122,944
−HK$3,769/mo
Today · 4.125%
HK$126,713
baseline
▲ 0.50% · 4.625%
HK$134,423
+HK$7,710/mo
Deposit HK$2.91M · loan HK$26.15M · min. income ≈ HK$253,426/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,234,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,648
−HK$7,167/mo
▼ 0.25% · 3.875%
HK$136,206
−HK$3,609/mo
Today · 4.125%
HK$139,815
baseline
▲ 0.50% · 4.625%
HK$147,185
+HK$7,370/mo
Deposit HK$2.91M · loan HK$26.15M · min. income ≈ HK$279,630/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,234,635 · Scale 2, in force from 26 Feb 2026)