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$66,378
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$68,443
−HK$2,098/mo
Today · 4.125%
HK$70,541
baseline
▲ 0.50% · 4.625%
HK$74,833
+HK$4,292/mo
Deposit HK$14.55M · loan HK$14.55M · min. income ≈ HK$141,082/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,237,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,845
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$75,826
−HK$2,009/mo
Today · 4.125%
HK$77,835
baseline
▲ 0.50% · 4.625%
HK$81,937
+HK$4,102/mo
Deposit HK$14.55M · loan HK$14.55M · min. income ≈ HK$155,670/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,237,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,654
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$82,132
−HK$2,517/mo
Today · 4.125%
HK$84,649
baseline
▲ 0.50% · 4.625%
HK$89,800
+HK$5,151/mo
Deposit HK$11.64M · loan HK$17.47M · min. income ≈ HK$169,298/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,237,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,614
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$90,991
−HK$2,411/mo
Today · 4.125%
HK$93,402
baseline
▲ 0.50% · 4.625%
HK$98,325
+HK$4,923/mo
Deposit HK$11.64M · loan HK$17.47M · min. income ≈ HK$186,804/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,237,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,929
−HK$5,828/mo
▼ 0.25% · 3.875%
HK$95,820
−HK$2,937/mo
Today · 4.125%
HK$98,757
baseline
▲ 0.50% · 4.625%
HK$104,766
+HK$6,009/mo
Deposit HK$8.73M · loan HK$20.38M · min. income ≈ HK$197,514/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,237,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,383
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$106,156
−HK$2,813/mo
Today · 4.125%
HK$108,969
baseline
▲ 0.50% · 4.625%
HK$114,712
+HK$5,743/mo
Deposit HK$8.73M · loan HK$20.38M · min. income ≈ HK$217,938/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,237,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,481
−HK$7,492/mo
▼ 0.25% · 3.875%
HK$123,197
−HK$3,776/mo
Today · 4.125%
HK$126,973
baseline
▲ 0.50% · 4.625%
HK$134,699
+HK$7,726/mo
Deposit HK$2.91M · loan HK$26.20M · min. income ≈ HK$253,946/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,921
−HK$7,181/mo
▼ 0.25% · 3.875%
HK$136,486
−HK$3,616/mo
Today · 4.125%
HK$140,102
baseline
▲ 0.50% · 4.625%
HK$147,487
+HK$7,385/mo
Deposit HK$2.91M · loan HK$26.20M · min. income ≈ HK$280,204/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,174 · Scale 2, in force from 26 Feb 2026)