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$66,165
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$68,223
−HK$2,091/mo
Today · 4.125%
HK$70,314
baseline
▲ 0.50% · 4.625%
HK$74,593
+HK$4,279/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$140,628/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,233,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,608
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$75,582
−HK$2,003/mo
Today · 4.125%
HK$77,585
baseline
▲ 0.50% · 4.625%
HK$81,674
+HK$4,089/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$155,170/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,233,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,398
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$81,868
−HK$2,509/mo
Today · 4.125%
HK$84,377
baseline
▲ 0.50% · 4.625%
HK$89,511
+HK$5,134/mo
Deposit HK$11.61M · loan HK$17.41M · min. income ≈ HK$168,754/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,233,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,330
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$90,699
−HK$2,403/mo
Today · 4.125%
HK$93,102
baseline
▲ 0.50% · 4.625%
HK$98,009
+HK$4,907/mo
Deposit HK$11.61M · loan HK$17.41M · min. income ≈ HK$186,204/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,233,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,631
−HK$5,809/mo
▼ 0.25% · 3.875%
HK$95,513
−HK$2,927/mo
Today · 4.125%
HK$98,440
baseline
▲ 0.50% · 4.625%
HK$104,430
+HK$5,990/mo
Deposit HK$8.70M · loan HK$20.31M · min. income ≈ HK$196,880/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,051
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$105,815
−HK$2,804/mo
Today · 4.125%
HK$108,619
baseline
▲ 0.50% · 4.625%
HK$114,344
+HK$5,725/mo
Deposit HK$8.70M · loan HK$20.31M · min. income ≈ HK$217,238/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,097
−HK$7,469/mo
▼ 0.25% · 3.875%
HK$122,802
−HK$3,764/mo
Today · 4.125%
HK$126,566
baseline
▲ 0.50% · 4.625%
HK$134,267
+HK$7,701/mo
Deposit HK$2.90M · loan HK$26.11M · min. income ≈ HK$253,132/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,233,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,494
−HK$7,159/mo
▼ 0.25% · 3.875%
HK$136,048
−HK$3,605/mo
Today · 4.125%
HK$139,653
baseline
▲ 0.50% · 4.625%
HK$147,014
+HK$7,361/mo
Deposit HK$2.90M · loan HK$26.11M · min. income ≈ HK$279,306/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,233,203 · Scale 2, in force from 26 Feb 2026)