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$66,200
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$68,259
−HK$2,092/mo
Today · 4.125%
HK$70,351
baseline
▲ 0.50% · 4.625%
HK$74,632
+HK$4,281/mo
Deposit HK$14.52M · loan HK$14.52M · min. income ≈ HK$140,702/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,233,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,647
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$75,622
−HK$2,003/mo
Today · 4.125%
HK$77,625
baseline
▲ 0.50% · 4.625%
HK$81,717
+HK$4,092/mo
Deposit HK$14.52M · loan HK$14.52M · min. income ≈ HK$155,250/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,233,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,440
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$81,911
−HK$2,510/mo
Today · 4.125%
HK$84,421
baseline
▲ 0.50% · 4.625%
HK$89,558
+HK$5,137/mo
Deposit HK$11.61M · loan HK$17.42M · min. income ≈ HK$168,842/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,233,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,376
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$90,746
−HK$2,405/mo
Today · 4.125%
HK$93,151
baseline
▲ 0.50% · 4.625%
HK$98,061
+HK$4,910/mo
Deposit HK$11.61M · loan HK$17.42M · min. income ≈ HK$186,302/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,233,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,680
−HK$5,812/mo
▼ 0.25% · 3.875%
HK$95,563
−HK$2,929/mo
Today · 4.125%
HK$98,492
baseline
▲ 0.50% · 4.625%
HK$104,484
+HK$5,992/mo
Deposit HK$8.71M · loan HK$20.32M · min. income ≈ HK$196,984/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,105
−HK$5,571/mo
▼ 0.25% · 3.875%
HK$105,870
−HK$2,806/mo
Today · 4.125%
HK$108,676
baseline
▲ 0.50% · 4.625%
HK$114,404
+HK$5,728/mo
Deposit HK$8.71M · loan HK$20.32M · min. income ≈ HK$217,352/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,160
−HK$7,472/mo
▼ 0.25% · 3.875%
HK$122,866
−HK$3,766/mo
Today · 4.125%
HK$126,632
baseline
▲ 0.50% · 4.625%
HK$134,337
+HK$7,705/mo
Deposit HK$2.90M · loan HK$26.13M · min. income ≈ HK$253,264/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,233,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,564
−HK$7,162/mo
▼ 0.25% · 3.875%
HK$136,119
−HK$3,607/mo
Today · 4.125%
HK$139,726
baseline
▲ 0.50% · 4.625%
HK$147,091
+HK$7,365/mo
Deposit HK$2.90M · loan HK$26.13M · min. income ≈ HK$279,452/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,233,849 · Scale 2, in force from 26 Feb 2026)