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$66,495
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$68,564
−HK$2,101/mo
Today · 4.125%
HK$70,665
baseline
▲ 0.50% · 4.625%
HK$74,965
+HK$4,300/mo
Deposit HK$14.58M · loan HK$14.58M · min. income ≈ HK$141,330/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,239,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,975
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$75,959
−HK$2,013/mo
Today · 4.125%
HK$77,972
baseline
▲ 0.50% · 4.625%
HK$82,082
+HK$4,110/mo
Deposit HK$14.58M · loan HK$14.58M · min. income ≈ HK$155,944/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,239,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,794
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$82,277
−HK$2,521/mo
Today · 4.125%
HK$84,798
baseline
▲ 0.50% · 4.625%
HK$89,958
+HK$5,160/mo
Deposit HK$11.66M · loan HK$17.50M · min. income ≈ HK$169,596/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,239,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,771
−HK$4,796/mo
▼ 0.25% · 3.875%
HK$91,151
−HK$2,416/mo
Today · 4.125%
HK$93,567
baseline
▲ 0.50% · 4.625%
HK$98,499
+HK$4,932/mo
Deposit HK$11.66M · loan HK$17.50M · min. income ≈ HK$187,134/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,239,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,094
−HK$5,837/mo
▼ 0.25% · 3.875%
HK$95,989
−HK$2,942/mo
Today · 4.125%
HK$98,931
baseline
▲ 0.50% · 4.625%
HK$104,951
+HK$6,020/mo
Deposit HK$8.75M · loan HK$20.41M · min. income ≈ HK$197,862/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$1,239,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,566
−HK$5,595/mo
▼ 0.25% · 3.875%
HK$106,343
−HK$2,818/mo
Today · 4.125%
HK$109,161
baseline
▲ 0.50% · 4.625%
HK$114,915
+HK$5,754/mo
Deposit HK$8.75M · loan HK$20.41M · min. income ≈ HK$218,322/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$1,239,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,692
−HK$7,505/mo
▼ 0.25% · 3.875%
HK$123,415
−HK$3,782/mo
Today · 4.125%
HK$127,197
baseline
▲ 0.50% · 4.625%
HK$134,937
+HK$7,740/mo
Deposit HK$2.92M · loan HK$26.25M · min. income ≈ HK$254,394/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,239,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,156
−HK$7,194/mo
▼ 0.25% · 3.875%
HK$136,727
−HK$3,623/mo
Today · 4.125%
HK$140,350
baseline
▲ 0.50% · 4.625%
HK$147,748
+HK$7,398/mo
Deposit HK$2.92M · loan HK$26.25M · min. income ≈ HK$280,700/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,239,358 · Scale 2, in force from 26 Feb 2026)