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$66,152
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$68,210
−HK$2,090/mo
Today · 4.125%
HK$70,300
baseline
▲ 0.50% · 4.625%
HK$74,578
+HK$4,278/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$140,600/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,232,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,594
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$75,567
−HK$2,003/mo
Today · 4.125%
HK$77,570
baseline
▲ 0.50% · 4.625%
HK$81,658
+HK$4,088/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$155,140/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,232,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,383
−HK$4,978/mo
▼ 0.25% · 3.875%
HK$81,852
−HK$2,509/mo
Today · 4.125%
HK$84,361
baseline
▲ 0.50% · 4.625%
HK$89,494
+HK$5,133/mo
Deposit HK$11.60M · loan HK$17.41M · min. income ≈ HK$168,722/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,232,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,312
−HK$4,771/mo
▼ 0.25% · 3.875%
HK$90,681
−HK$2,402/mo
Today · 4.125%
HK$93,083
baseline
▲ 0.50% · 4.625%
HK$97,990
+HK$4,907/mo
Deposit HK$11.60M · loan HK$17.41M · min. income ≈ HK$186,166/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,232,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,613
−HK$5,808/mo
▼ 0.25% · 3.875%
HK$95,494
−HK$2,927/mo
Today · 4.125%
HK$98,421
baseline
▲ 0.50% · 4.625%
HK$104,409
+HK$5,988/mo
Deposit HK$8.70M · loan HK$20.31M · min. income ≈ HK$196,842/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,232,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,031
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$105,794
−HK$2,803/mo
Today · 4.125%
HK$108,597
baseline
▲ 0.50% · 4.625%
HK$114,322
+HK$5,725/mo
Deposit HK$8.70M · loan HK$20.31M · min. income ≈ HK$217,194/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,232,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,074
−HK$7,467/mo
▼ 0.25% · 3.875%
HK$122,778
−HK$3,763/mo
Today · 4.125%
HK$126,541
baseline
▲ 0.50% · 4.625%
HK$134,240
+HK$7,699/mo
Deposit HK$2.90M · loan HK$26.11M · min. income ≈ HK$253,082/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,232,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,468
−HK$7,157/mo
▼ 0.25% · 3.875%
HK$136,021
−HK$3,604/mo
Today · 4.125%
HK$139,625
baseline
▲ 0.50% · 4.625%
HK$146,985
+HK$7,360/mo
Deposit HK$2.90M · loan HK$26.11M · min. income ≈ HK$279,250/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,232,960 · Scale 2, in force from 26 Feb 2026)