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$66,295
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$68,357
−HK$2,096/mo
Today · 4.125%
HK$70,453
baseline
▲ 0.50% · 4.625%
HK$74,740
+HK$4,287/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$140,906/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,235,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,753
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$75,731
−HK$2,007/mo
Today · 4.125%
HK$77,738
baseline
▲ 0.50% · 4.625%
HK$81,835
+HK$4,097/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$155,476/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,235,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,554
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$82,029
−HK$2,514/mo
Today · 4.125%
HK$84,543
baseline
▲ 0.50% · 4.625%
HK$89,687
+HK$5,144/mo
Deposit HK$11.63M · loan HK$17.44M · min. income ≈ HK$169,086/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,235,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,503
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$90,877
−HK$2,408/mo
Today · 4.125%
HK$93,285
baseline
▲ 0.50% · 4.625%
HK$98,202
+HK$4,917/mo
Deposit HK$11.63M · loan HK$17.44M · min. income ≈ HK$186,570/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,235,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,813
−HK$5,821/mo
▼ 0.25% · 3.875%
HK$95,700
−HK$2,934/mo
Today · 4.125%
HK$98,634
baseline
▲ 0.50% · 4.625%
HK$104,635
+HK$6,001/mo
Deposit HK$8.72M · loan HK$20.35M · min. income ≈ HK$197,268/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,235,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,254
−HK$5,579/mo
▼ 0.25% · 3.875%
HK$106,023
−HK$2,810/mo
Today · 4.125%
HK$108,833
baseline
▲ 0.50% · 4.625%
HK$114,569
+HK$5,736/mo
Deposit HK$8.72M · loan HK$20.35M · min. income ≈ HK$217,666/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,235,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,332
−HK$7,483/mo
▼ 0.25% · 3.875%
HK$123,043
−HK$3,772/mo
Today · 4.125%
HK$126,815
baseline
▲ 0.50% · 4.625%
HK$134,531
+HK$7,716/mo
Deposit HK$2.91M · loan HK$26.17M · min. income ≈ HK$253,630/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,755
−HK$7,173/mo
▼ 0.25% · 3.875%
HK$136,316
−HK$3,612/mo
Today · 4.125%
HK$139,928
baseline
▲ 0.50% · 4.625%
HK$147,303
+HK$7,375/mo
Deposit HK$2.91M · loan HK$26.17M · min. income ≈ HK$279,856/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,630 · Scale 2, in force from 26 Feb 2026)