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$66,349
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$68,413
−HK$2,097/mo
Today · 4.125%
HK$70,510
baseline
▲ 0.50% · 4.625%
HK$74,800
+HK$4,290/mo
Deposit HK$14.55M · loan HK$14.55M · min. income ≈ HK$141,020/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,236,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,813
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$75,793
−HK$2,008/mo
Today · 4.125%
HK$77,801
baseline
▲ 0.50% · 4.625%
HK$81,902
+HK$4,101/mo
Deposit HK$14.55M · loan HK$14.55M · min. income ≈ HK$155,602/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,236,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,619
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$82,096
−HK$2,516/mo
Today · 4.125%
HK$84,612
baseline
▲ 0.50% · 4.625%
HK$89,761
+HK$5,149/mo
Deposit HK$11.64M · loan HK$17.46M · min. income ≈ HK$169,224/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,236,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,576
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$90,951
−HK$2,410/mo
Today · 4.125%
HK$93,361
baseline
▲ 0.50% · 4.625%
HK$98,282
+HK$4,921/mo
Deposit HK$11.64M · loan HK$17.46M · min. income ≈ HK$186,722/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,236,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,889
−HK$5,825/mo
▼ 0.25% · 3.875%
HK$95,778
−HK$2,936/mo
Today · 4.125%
HK$98,714
baseline
▲ 0.50% · 4.625%
HK$104,721
+HK$6,007/mo
Deposit HK$8.73M · loan HK$20.37M · min. income ≈ HK$197,428/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,236,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,338
−HK$5,583/mo
▼ 0.25% · 3.875%
HK$106,110
−HK$2,811/mo
Today · 4.125%
HK$108,921
baseline
▲ 0.50% · 4.625%
HK$114,663
+HK$5,742/mo
Deposit HK$8.73M · loan HK$20.37M · min. income ≈ HK$217,842/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,236,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,429
−HK$7,489/mo
▼ 0.25% · 3.875%
HK$123,144
−HK$3,774/mo
Today · 4.125%
HK$126,918
baseline
▲ 0.50% · 4.625%
HK$134,641
+HK$7,723/mo
Deposit HK$2.91M · loan HK$26.19M · min. income ≈ HK$253,836/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,236,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,863
−HK$7,179/mo
▼ 0.25% · 3.875%
HK$136,427
−HK$3,615/mo
Today · 4.125%
HK$140,042
baseline
▲ 0.50% · 4.625%
HK$147,423
+HK$7,381/mo
Deposit HK$2.91M · loan HK$26.19M · min. income ≈ HK$280,084/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,236,637 · Scale 2, in force from 26 Feb 2026)