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$66,314
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$68,377
−HK$2,096/mo
Today · 4.125%
HK$70,473
baseline
▲ 0.50% · 4.625%
HK$74,761
+HK$4,288/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$140,946/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,235,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,774
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,753
−HK$2,007/mo
Today · 4.125%
HK$77,760
baseline
▲ 0.50% · 4.625%
HK$81,859
+HK$4,099/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$155,520/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,235,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,577
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$82,053
−HK$2,514/mo
Today · 4.125%
HK$84,567
baseline
▲ 0.50% · 4.625%
HK$89,713
+HK$5,146/mo
Deposit HK$11.63M · loan HK$17.45M · min. income ≈ HK$169,134/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,235,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,529
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$90,903
−HK$2,409/mo
Today · 4.125%
HK$93,312
baseline
▲ 0.50% · 4.625%
HK$98,230
+HK$4,918/mo
Deposit HK$11.63M · loan HK$17.45M · min. income ≈ HK$186,624/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,235,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,840
−HK$5,822/mo
▼ 0.25% · 3.875%
HK$95,728
−HK$2,934/mo
Today · 4.125%
HK$98,662
baseline
▲ 0.50% · 4.625%
HK$104,665
+HK$6,003/mo
Deposit HK$8.72M · loan HK$20.36M · min. income ≈ HK$197,324/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,235,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,284
−HK$5,580/mo
▼ 0.25% · 3.875%
HK$106,054
−HK$2,810/mo
Today · 4.125%
HK$108,864
baseline
▲ 0.50% · 4.625%
HK$114,602
+HK$5,738/mo
Deposit HK$8.72M · loan HK$20.36M · min. income ≈ HK$217,728/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,235,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,366
−HK$7,485/mo
▼ 0.25% · 3.875%
HK$123,079
−HK$3,772/mo
Today · 4.125%
HK$126,851
baseline
▲ 0.50% · 4.625%
HK$134,570
+HK$7,719/mo
Deposit HK$2.91M · loan HK$26.17M · min. income ≈ HK$253,702/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,793
−HK$7,175/mo
▼ 0.25% · 3.875%
HK$136,355
−HK$3,613/mo
Today · 4.125%
HK$139,968
baseline
▲ 0.50% · 4.625%
HK$147,346
+HK$7,378/mo
Deposit HK$2.91M · loan HK$26.17M · min. income ≈ HK$279,936/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,984 · Scale 2, in force from 26 Feb 2026)