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$66,208
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$68,267
−HK$2,092/mo
Today · 4.125%
HK$70,359
baseline
▲ 0.50% · 4.625%
HK$74,641
+HK$4,282/mo
Deposit HK$14.52M · loan HK$14.52M · min. income ≈ HK$140,718/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,233,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,655
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$75,631
−HK$2,004/mo
Today · 4.125%
HK$77,635
baseline
▲ 0.50% · 4.625%
HK$81,727
+HK$4,092/mo
Deposit HK$14.52M · loan HK$14.52M · min. income ≈ HK$155,270/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,233,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,449
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$81,921
−HK$2,510/mo
Today · 4.125%
HK$84,431
baseline
▲ 0.50% · 4.625%
HK$89,569
+HK$5,138/mo
Deposit HK$11.61M · loan HK$17.42M · min. income ≈ HK$168,862/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,233,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,386
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$90,757
−HK$2,405/mo
Today · 4.125%
HK$93,162
baseline
▲ 0.50% · 4.625%
HK$98,072
+HK$4,910/mo
Deposit HK$11.61M · loan HK$17.42M · min. income ≈ HK$186,324/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,233,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,691
−HK$5,812/mo
▼ 0.25% · 3.875%
HK$95,574
−HK$2,929/mo
Today · 4.125%
HK$98,503
baseline
▲ 0.50% · 4.625%
HK$104,497
+HK$5,994/mo
Deposit HK$8.71M · loan HK$20.32M · min. income ≈ HK$197,006/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,118
−HK$5,571/mo
▼ 0.25% · 3.875%
HK$105,883
−HK$2,806/mo
Today · 4.125%
HK$108,689
baseline
▲ 0.50% · 4.625%
HK$114,418
+HK$5,729/mo
Deposit HK$8.71M · loan HK$20.32M · min. income ≈ HK$217,378/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,174
−HK$7,473/mo
▼ 0.25% · 3.875%
HK$122,881
−HK$3,766/mo
Today · 4.125%
HK$126,647
baseline
▲ 0.50% · 4.625%
HK$134,353
+HK$7,706/mo
Deposit HK$2.90M · loan HK$26.13M · min. income ≈ HK$253,294/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,233,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,580
−HK$7,163/mo
▼ 0.25% · 3.875%
HK$136,135
−HK$3,608/mo
Today · 4.125%
HK$139,743
baseline
▲ 0.50% · 4.625%
HK$147,109
+HK$7,366/mo
Deposit HK$2.90M · loan HK$26.13M · min. income ≈ HK$279,486/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,233,996 · Scale 2, in force from 26 Feb 2026)