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$66,356
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$68,420
−HK$2,097/mo
Today · 4.125%
HK$70,517
baseline
▲ 0.50% · 4.625%
HK$74,808
+HK$4,291/mo
Deposit HK$14.55M · loan HK$14.55M · min. income ≈ HK$141,034/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,236,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,821
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$75,801
−HK$2,008/mo
Today · 4.125%
HK$77,809
baseline
▲ 0.50% · 4.625%
HK$81,910
+HK$4,101/mo
Deposit HK$14.55M · loan HK$14.55M · min. income ≈ HK$155,618/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,236,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,628
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$82,104
−HK$2,517/mo
Today · 4.125%
HK$84,621
baseline
▲ 0.50% · 4.625%
HK$89,770
+HK$5,149/mo
Deposit HK$11.64M · loan HK$17.46M · min. income ≈ HK$169,242/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,236,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,585
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$90,961
−HK$2,410/mo
Today · 4.125%
HK$93,371
baseline
▲ 0.50% · 4.625%
HK$98,292
+HK$4,921/mo
Deposit HK$11.64M · loan HK$17.46M · min. income ≈ HK$186,742/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,236,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,899
−HK$5,825/mo
▼ 0.25% · 3.875%
HK$95,788
−HK$2,936/mo
Today · 4.125%
HK$98,724
baseline
▲ 0.50% · 4.625%
HK$104,731
+HK$6,007/mo
Deposit HK$8.73M · loan HK$20.37M · min. income ≈ HK$197,448/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,236,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,349
−HK$5,584/mo
▼ 0.25% · 3.875%
HK$106,121
−HK$2,812/mo
Today · 4.125%
HK$108,933
baseline
▲ 0.50% · 4.625%
HK$114,675
+HK$5,742/mo
Deposit HK$8.73M · loan HK$20.37M · min. income ≈ HK$217,866/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,236,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,441
−HK$7,490/mo
▼ 0.25% · 3.875%
HK$123,157
−HK$3,774/mo
Today · 4.125%
HK$126,931
baseline
▲ 0.50% · 4.625%
HK$134,655
+HK$7,724/mo
Deposit HK$2.91M · loan HK$26.19M · min. income ≈ HK$253,862/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,236,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,877
−HK$7,179/mo
▼ 0.25% · 3.875%
HK$136,441
−HK$3,615/mo
Today · 4.125%
HK$140,056
baseline
▲ 0.50% · 4.625%
HK$147,439
+HK$7,383/mo
Deposit HK$2.91M · loan HK$26.19M · min. income ≈ HK$280,112/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,236,765 · Scale 2, in force from 26 Feb 2026)