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$66,430
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$68,496
−HK$2,100/mo
Today · 4.125%
HK$70,596
baseline
▲ 0.50% · 4.625%
HK$74,891
+HK$4,295/mo
Deposit HK$14.57M · loan HK$14.57M · min. income ≈ HK$141,192/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,238,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,903
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$75,885
−HK$2,010/mo
Today · 4.125%
HK$77,895
baseline
▲ 0.50% · 4.625%
HK$82,001
+HK$4,106/mo
Deposit HK$14.57M · loan HK$14.57M · min. income ≈ HK$155,790/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,238,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,716
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$82,195
−HK$2,520/mo
Today · 4.125%
HK$84,715
baseline
▲ 0.50% · 4.625%
HK$89,869
+HK$5,154/mo
Deposit HK$11.65M · loan HK$17.48M · min. income ≈ HK$169,430/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,238,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,683
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$91,061
−HK$2,413/mo
Today · 4.125%
HK$93,474
baseline
▲ 0.50% · 4.625%
HK$98,401
+HK$4,927/mo
Deposit HK$11.65M · loan HK$17.48M · min. income ≈ HK$186,948/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,238,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,002
−HK$5,832/mo
▼ 0.25% · 3.875%
HK$95,895
−HK$2,939/mo
Today · 4.125%
HK$98,834
baseline
▲ 0.50% · 4.625%
HK$104,848
+HK$6,014/mo
Deposit HK$8.74M · loan HK$20.39M · min. income ≈ HK$197,668/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,464
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$106,238
−HK$2,815/mo
Today · 4.125%
HK$109,053
baseline
▲ 0.50% · 4.625%
HK$114,802
+HK$5,749/mo
Deposit HK$8.74M · loan HK$20.39M · min. income ≈ HK$218,106/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,574
−HK$7,498/mo
▼ 0.25% · 3.875%
HK$123,293
−HK$3,779/mo
Today · 4.125%
HK$127,072
baseline
▲ 0.50% · 4.625%
HK$134,804
+HK$7,732/mo
Deposit HK$2.91M · loan HK$26.22M · min. income ≈ HK$254,144/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,025
−HK$7,186/mo
▼ 0.25% · 3.875%
HK$136,592
−HK$3,619/mo
Today · 4.125%
HK$140,211
baseline
▲ 0.50% · 4.625%
HK$147,602
+HK$7,391/mo
Deposit HK$2.91M · loan HK$26.22M · min. income ≈ HK$280,422/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,137 · Scale 2, in force from 26 Feb 2026)