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$66,222
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$68,282
−HK$2,092/mo
Today · 4.125%
HK$70,374
baseline
▲ 0.50% · 4.625%
HK$74,657
+HK$4,283/mo
Deposit HK$14.52M · loan HK$14.52M · min. income ≈ HK$140,748/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,234,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,671
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$75,647
−HK$2,004/mo
Today · 4.125%
HK$77,651
baseline
▲ 0.50% · 4.625%
HK$81,744
+HK$4,093/mo
Deposit HK$14.52M · loan HK$14.52M · min. income ≈ HK$155,302/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,234,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,466
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$81,938
−HK$2,511/mo
Today · 4.125%
HK$84,449
baseline
▲ 0.50% · 4.625%
HK$89,588
+HK$5,139/mo
Deposit HK$11.62M · loan HK$17.42M · min. income ≈ HK$168,898/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,234,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,405
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$90,776
−HK$2,405/mo
Today · 4.125%
HK$93,181
baseline
▲ 0.50% · 4.625%
HK$98,093
+HK$4,912/mo
Deposit HK$11.62M · loan HK$17.42M · min. income ≈ HK$186,362/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,234,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,710
−HK$5,814/mo
▼ 0.25% · 3.875%
HK$95,594
−HK$2,930/mo
Today · 4.125%
HK$98,524
baseline
▲ 0.50% · 4.625%
HK$104,519
+HK$5,995/mo
Deposit HK$8.71M · loan HK$20.33M · min. income ≈ HK$197,048/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,234,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,139
−HK$5,573/mo
▼ 0.25% · 3.875%
HK$105,906
−HK$2,806/mo
Today · 4.125%
HK$108,712
baseline
▲ 0.50% · 4.625%
HK$114,442
+HK$5,730/mo
Deposit HK$8.71M · loan HK$20.33M · min. income ≈ HK$217,424/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,234,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,199
−HK$7,475/mo
▼ 0.25% · 3.875%
HK$122,907
−HK$3,767/mo
Today · 4.125%
HK$126,674
baseline
▲ 0.50% · 4.625%
HK$134,382
+HK$7,708/mo
Deposit HK$2.90M · loan HK$26.14M · min. income ≈ HK$253,348/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,234,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,608
−HK$7,164/mo
▼ 0.25% · 3.875%
HK$136,164
−HK$3,608/mo
Today · 4.125%
HK$139,772
baseline
▲ 0.50% · 4.625%
HK$147,140
+HK$7,368/mo
Deposit HK$2.90M · loan HK$26.14M · min. income ≈ HK$279,544/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,234,257 · Scale 2, in force from 26 Feb 2026)