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$66,267
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$68,328
−HK$2,095/mo
Today · 4.125%
HK$70,423
baseline
▲ 0.50% · 4.625%
HK$74,708
+HK$4,285/mo
Deposit HK$14.53M · loan HK$14.53M · min. income ≈ HK$140,846/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,235,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,721
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$75,699
−HK$2,005/mo
Today · 4.125%
HK$77,704
baseline
▲ 0.50% · 4.625%
HK$81,800
+HK$4,096/mo
Deposit HK$14.53M · loan HK$14.53M · min. income ≈ HK$155,408/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,235,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,520
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$81,994
−HK$2,513/mo
Today · 4.125%
HK$84,507
baseline
▲ 0.50% · 4.625%
HK$89,649
+HK$5,142/mo
Deposit HK$11.62M · loan HK$17.44M · min. income ≈ HK$169,014/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,235,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,466
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$90,838
−HK$2,407/mo
Today · 4.125%
HK$93,245
baseline
▲ 0.50% · 4.625%
HK$98,160
+HK$4,915/mo
Deposit HK$11.62M · loan HK$17.44M · min. income ≈ HK$186,490/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,235,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,774
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$95,660
−HK$2,932/mo
Today · 4.125%
HK$98,592
baseline
▲ 0.50% · 4.625%
HK$104,591
+HK$5,999/mo
Deposit HK$8.72M · loan HK$20.34M · min. income ≈ HK$197,184/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,235,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,210
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$105,978
−HK$2,808/mo
Today · 4.125%
HK$108,786
baseline
▲ 0.50% · 4.625%
HK$114,520
+HK$5,734/mo
Deposit HK$8.72M · loan HK$20.34M · min. income ≈ HK$217,572/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,235,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,281
−HK$7,480/mo
▼ 0.25% · 3.875%
HK$122,991
−HK$3,770/mo
Today · 4.125%
HK$126,761
baseline
▲ 0.50% · 4.625%
HK$134,474
+HK$7,713/mo
Deposit HK$2.91M · loan HK$26.16M · min. income ≈ HK$253,522/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,698
−HK$7,170/mo
▼ 0.25% · 3.875%
HK$136,257
−HK$3,611/mo
Today · 4.125%
HK$139,868
baseline
▲ 0.50% · 4.625%
HK$147,240
+HK$7,372/mo
Deposit HK$2.91M · loan HK$26.16M · min. income ≈ HK$279,736/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,102 · Scale 2, in force from 26 Feb 2026)