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$66,161
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$68,219
−HK$2,091/mo
Today · 4.125%
HK$70,310
baseline
▲ 0.50% · 4.625%
HK$74,588
+HK$4,278/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$140,620/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,233,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,604
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$75,578
−HK$2,002/mo
Today · 4.125%
HK$77,580
baseline
▲ 0.50% · 4.625%
HK$81,669
+HK$4,089/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$155,160/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,233,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,393
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$81,863
−HK$2,509/mo
Today · 4.125%
HK$84,372
baseline
▲ 0.50% · 4.625%
HK$89,506
+HK$5,134/mo
Deposit HK$11.61M · loan HK$17.41M · min. income ≈ HK$168,744/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,233,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,324
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$90,693
−HK$2,403/mo
Today · 4.125%
HK$93,096
baseline
▲ 0.50% · 4.625%
HK$98,003
+HK$4,907/mo
Deposit HK$11.61M · loan HK$17.41M · min. income ≈ HK$186,192/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,233,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,626
−HK$5,808/mo
▼ 0.25% · 3.875%
HK$95,507
−HK$2,927/mo
Today · 4.125%
HK$98,434
baseline
▲ 0.50% · 4.625%
HK$104,423
+HK$5,989/mo
Deposit HK$8.70M · loan HK$20.31M · min. income ≈ HK$196,868/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,045
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$105,809
−HK$2,803/mo
Today · 4.125%
HK$108,612
baseline
▲ 0.50% · 4.625%
HK$114,337
+HK$5,725/mo
Deposit HK$8.70M · loan HK$20.31M · min. income ≈ HK$217,224/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,090
−HK$7,468/mo
▼ 0.25% · 3.875%
HK$122,794
−HK$3,764/mo
Today · 4.125%
HK$126,558
baseline
▲ 0.50% · 4.625%
HK$134,259
+HK$7,701/mo
Deposit HK$2.90M · loan HK$26.11M · min. income ≈ HK$253,116/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,233,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,486
−HK$7,158/mo
▼ 0.25% · 3.875%
HK$136,040
−HK$3,604/mo
Today · 4.125%
HK$139,644
baseline
▲ 0.50% · 4.625%
HK$147,005
+HK$7,361/mo
Deposit HK$2.90M · loan HK$26.11M · min. income ≈ HK$279,288/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,233,128 · Scale 2, in force from 26 Feb 2026)