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$66,190
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$68,249
−HK$2,092/mo
Today · 4.125%
HK$70,341
baseline
▲ 0.50% · 4.625%
HK$74,621
+HK$4,280/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$140,682/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,233,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,636
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$75,611
−HK$2,004/mo
Today · 4.125%
HK$77,615
baseline
▲ 0.50% · 4.625%
HK$81,706
+HK$4,091/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$155,230/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,233,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,428
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$81,899
−HK$2,510/mo
Today · 4.125%
HK$84,409
baseline
▲ 0.50% · 4.625%
HK$89,545
+HK$5,136/mo
Deposit HK$11.61M · loan HK$17.42M · min. income ≈ HK$168,818/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,233,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,363
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$90,733
−HK$2,404/mo
Today · 4.125%
HK$93,137
baseline
▲ 0.50% · 4.625%
HK$98,047
+HK$4,910/mo
Deposit HK$11.61M · loan HK$17.42M · min. income ≈ HK$186,274/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,233,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,667
−HK$5,811/mo
▼ 0.25% · 3.875%
HK$95,549
−HK$2,929/mo
Today · 4.125%
HK$98,478
baseline
▲ 0.50% · 4.625%
HK$104,470
+HK$5,992/mo
Deposit HK$8.71M · loan HK$20.32M · min. income ≈ HK$196,956/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,091
−HK$5,569/mo
▼ 0.25% · 3.875%
HK$105,855
−HK$2,805/mo
Today · 4.125%
HK$108,660
baseline
▲ 0.50% · 4.625%
HK$114,388
+HK$5,728/mo
Deposit HK$8.71M · loan HK$20.32M · min. income ≈ HK$217,320/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,143
−HK$7,471/mo
▼ 0.25% · 3.875%
HK$122,849
−HK$3,765/mo
Today · 4.125%
HK$126,614
baseline
▲ 0.50% · 4.625%
HK$134,318
+HK$7,704/mo
Deposit HK$2.90M · loan HK$26.12M · min. income ≈ HK$253,228/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,233,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,545
−HK$7,161/mo
▼ 0.25% · 3.875%
HK$136,100
−HK$3,606/mo
Today · 4.125%
HK$139,706
baseline
▲ 0.50% · 4.625%
HK$147,070
+HK$7,364/mo
Deposit HK$2.90M · loan HK$26.12M · min. income ≈ HK$279,412/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,233,674 · Scale 2, in force from 26 Feb 2026)