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$66,274
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$68,335
−HK$2,095/mo
Today · 4.125%
HK$70,430
baseline
▲ 0.50% · 4.625%
HK$74,715
+HK$4,285/mo
Deposit HK$14.53M · loan HK$14.53M · min. income ≈ HK$140,860/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,235,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,729
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$75,706
−HK$2,006/mo
Today · 4.125%
HK$77,712
baseline
▲ 0.50% · 4.625%
HK$81,809
+HK$4,097/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$1,235,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,529
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$82,002
−HK$2,514/mo
Today · 4.125%
HK$84,516
baseline
▲ 0.50% · 4.625%
HK$89,658
+HK$5,142/mo
Deposit HK$11.63M · loan HK$17.44M · min. income ≈ HK$169,032/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,235,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,475
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$90,848
−HK$2,407/mo
Today · 4.125%
HK$93,255
baseline
▲ 0.50% · 4.625%
HK$98,170
+HK$4,915/mo
Deposit HK$11.63M · loan HK$17.44M · min. income ≈ HK$186,510/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,235,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,783
−HK$5,819/mo
▼ 0.25% · 3.875%
HK$95,669
−HK$2,933/mo
Today · 4.125%
HK$98,602
baseline
▲ 0.50% · 4.625%
HK$104,601
+HK$5,999/mo
Deposit HK$8.72M · loan HK$20.34M · min. income ≈ HK$197,204/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,235,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,221
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$105,989
−HK$2,808/mo
Today · 4.125%
HK$108,797
baseline
▲ 0.50% · 4.625%
HK$114,532
+HK$5,735/mo
Deposit HK$8.72M · loan HK$20.34M · min. income ≈ HK$217,594/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,235,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,293
−HK$7,481/mo
▼ 0.25% · 3.875%
HK$123,004
−HK$3,770/mo
Today · 4.125%
HK$126,774
baseline
▲ 0.50% · 4.625%
HK$134,488
+HK$7,714/mo
Deposit HK$2.91M · loan HK$26.16M · min. income ≈ HK$253,548/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,712
−HK$7,170/mo
▼ 0.25% · 3.875%
HK$136,271
−HK$3,611/mo
Today · 4.125%
HK$139,882
baseline
▲ 0.50% · 4.625%
HK$147,256
+HK$7,374/mo
Deposit HK$2.91M · loan HK$26.16M · min. income ≈ HK$279,764/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,229 · Scale 2, in force from 26 Feb 2026)