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$66,310
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$68,373
−HK$2,096/mo
Today · 4.125%
HK$70,469
baseline
▲ 0.50% · 4.625%
HK$74,756
+HK$4,287/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$140,938/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,235,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,770
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$75,748
−HK$2,007/mo
Today · 4.125%
HK$77,755
baseline
▲ 0.50% · 4.625%
HK$81,854
+HK$4,099/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$155,510/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,235,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,572
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$82,048
−HK$2,514/mo
Today · 4.125%
HK$84,562
baseline
▲ 0.50% · 4.625%
HK$89,708
+HK$5,146/mo
Deposit HK$11.63M · loan HK$17.45M · min. income ≈ HK$169,124/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,235,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,523
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$90,898
−HK$2,408/mo
Today · 4.125%
HK$93,306
baseline
▲ 0.50% · 4.625%
HK$98,224
+HK$4,918/mo
Deposit HK$11.63M · loan HK$17.45M · min. income ≈ HK$186,612/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,235,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,834
−HK$5,822/mo
▼ 0.25% · 3.875%
HK$95,722
−HK$2,934/mo
Today · 4.125%
HK$98,656
baseline
▲ 0.50% · 4.625%
HK$104,659
+HK$6,003/mo
Deposit HK$8.72M · loan HK$20.36M · min. income ≈ HK$197,312/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,235,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,277
−HK$5,580/mo
▼ 0.25% · 3.875%
HK$106,047
−HK$2,810/mo
Today · 4.125%
HK$108,857
baseline
▲ 0.50% · 4.625%
HK$114,595
+HK$5,738/mo
Deposit HK$8.72M · loan HK$20.36M · min. income ≈ HK$217,714/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,235,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,359
−HK$7,484/mo
▼ 0.25% · 3.875%
HK$123,071
−HK$3,772/mo
Today · 4.125%
HK$126,843
baseline
▲ 0.50% · 4.625%
HK$134,562
+HK$7,719/mo
Deposit HK$2.91M · loan HK$26.17M · min. income ≈ HK$253,686/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,785
−HK$7,174/mo
▼ 0.25% · 3.875%
HK$136,346
−HK$3,613/mo
Today · 4.125%
HK$139,959
baseline
▲ 0.50% · 4.625%
HK$147,337
+HK$7,378/mo
Deposit HK$2.91M · loan HK$26.17M · min. income ≈ HK$279,918/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,909 · Scale 2, in force from 26 Feb 2026)