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$66,227
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$68,287
−HK$2,093/mo
Today · 4.125%
HK$70,380
baseline
▲ 0.50% · 4.625%
HK$74,663
+HK$4,283/mo
Deposit HK$14.52M · loan HK$14.52M · min. income ≈ HK$140,760/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,234,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,677
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$75,653
−HK$2,005/mo
Today · 4.125%
HK$77,658
baseline
▲ 0.50% · 4.625%
HK$81,751
+HK$4,093/mo
Deposit HK$14.52M · loan HK$14.52M · min. income ≈ HK$155,316/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,234,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,473
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$81,945
−HK$2,512/mo
Today · 4.125%
HK$84,457
baseline
▲ 0.50% · 4.625%
HK$89,596
+HK$5,139/mo
Deposit HK$11.62M · loan HK$17.43M · min. income ≈ HK$168,914/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,234,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,413
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$90,784
−HK$2,405/mo
Today · 4.125%
HK$93,189
baseline
▲ 0.50% · 4.625%
HK$98,102
+HK$4,913/mo
Deposit HK$11.62M · loan HK$17.43M · min. income ≈ HK$186,378/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,234,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,718
−HK$5,815/mo
▼ 0.25% · 3.875%
HK$95,602
−HK$2,931/mo
Today · 4.125%
HK$98,533
baseline
▲ 0.50% · 4.625%
HK$104,528
+HK$5,995/mo
Deposit HK$8.71M · loan HK$20.33M · min. income ≈ HK$197,066/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,234,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,148
−HK$5,573/mo
▼ 0.25% · 3.875%
HK$105,915
−HK$2,806/mo
Today · 4.125%
HK$108,721
baseline
▲ 0.50% · 4.625%
HK$114,452
+HK$5,731/mo
Deposit HK$8.71M · loan HK$20.33M · min. income ≈ HK$217,442/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,234,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,209
−HK$7,476/mo
▼ 0.25% · 3.875%
HK$122,917
−HK$3,768/mo
Today · 4.125%
HK$126,685
baseline
▲ 0.50% · 4.625%
HK$134,393
+HK$7,708/mo
Deposit HK$2.90M · loan HK$26.14M · min. income ≈ HK$253,370/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,234,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,619
−HK$7,165/mo
▼ 0.25% · 3.875%
HK$136,176
−HK$3,608/mo
Today · 4.125%
HK$139,784
baseline
▲ 0.50% · 4.625%
HK$147,152
+HK$7,368/mo
Deposit HK$2.90M · loan HK$26.14M · min. income ≈ HK$279,568/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,234,364 · Scale 2, in force from 26 Feb 2026)