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$66,331
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$68,394
−HK$2,097/mo
Today · 4.125%
HK$70,491
baseline
▲ 0.50% · 4.625%
HK$74,780
+HK$4,289/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$140,982/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,236,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,793
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,772
−HK$2,007/mo
Today · 4.125%
HK$77,779
baseline
▲ 0.50% · 4.625%
HK$81,879
+HK$4,100/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$155,558/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,236,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,597
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$82,073
−HK$2,516/mo
Today · 4.125%
HK$84,589
baseline
▲ 0.50% · 4.625%
HK$89,736
+HK$5,147/mo
Deposit HK$11.64M · loan HK$17.45M · min. income ≈ HK$169,178/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,236,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,551
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$90,926
−HK$2,409/mo
Today · 4.125%
HK$93,335
baseline
▲ 0.50% · 4.625%
HK$98,255
+HK$4,920/mo
Deposit HK$11.64M · loan HK$17.45M · min. income ≈ HK$186,670/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,236,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,863
−HK$5,824/mo
▼ 0.25% · 3.875%
HK$95,752
−HK$2,935/mo
Today · 4.125%
HK$98,687
baseline
▲ 0.50% · 4.625%
HK$104,692
+HK$6,005/mo
Deposit HK$8.73M · loan HK$20.36M · min. income ≈ HK$197,374/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,236,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,310
−HK$5,581/mo
▼ 0.25% · 3.875%
HK$106,080
−HK$2,811/mo
Today · 4.125%
HK$108,891
baseline
▲ 0.50% · 4.625%
HK$114,631
+HK$5,740/mo
Deposit HK$8.73M · loan HK$20.36M · min. income ≈ HK$217,782/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,236,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,396
−HK$7,487/mo
▼ 0.25% · 3.875%
HK$123,110
−HK$3,773/mo
Today · 4.125%
HK$126,883
baseline
▲ 0.50% · 4.625%
HK$134,604
+HK$7,721/mo
Deposit HK$2.91M · loan HK$26.18M · min. income ≈ HK$253,766/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,236,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,827
−HK$7,176/mo
▼ 0.25% · 3.875%
HK$136,389
−HK$3,614/mo
Today · 4.125%
HK$140,003
baseline
▲ 0.50% · 4.625%
HK$147,383
+HK$7,380/mo
Deposit HK$2.91M · loan HK$26.18M · min. income ≈ HK$280,006/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,236,296 · Scale 2, in force from 26 Feb 2026)