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$66,398
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$68,463
−HK$2,098/mo
Today · 4.125%
HK$70,561
baseline
▲ 0.50% · 4.625%
HK$74,855
+HK$4,294/mo
Deposit HK$14.56M · loan HK$14.56M · min. income ≈ HK$141,122/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,237,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,867
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$75,848
−HK$2,009/mo
Today · 4.125%
HK$77,857
baseline
▲ 0.50% · 4.625%
HK$81,961
+HK$4,104/mo
Deposit HK$14.56M · loan HK$14.56M · min. income ≈ HK$155,714/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,237,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,677
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$82,155
−HK$2,518/mo
Today · 4.125%
HK$84,673
baseline
▲ 0.50% · 4.625%
HK$89,826
+HK$5,153/mo
Deposit HK$11.65M · loan HK$17.47M · min. income ≈ HK$169,346/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,237,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,640
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$91,017
−HK$2,412/mo
Today · 4.125%
HK$93,429
baseline
▲ 0.50% · 4.625%
HK$98,354
+HK$4,925/mo
Deposit HK$11.65M · loan HK$17.47M · min. income ≈ HK$186,858/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,237,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,957
−HK$5,829/mo
▼ 0.25% · 3.875%
HK$95,848
−HK$2,938/mo
Today · 4.125%
HK$98,786
baseline
▲ 0.50% · 4.625%
HK$104,797
+HK$6,011/mo
Deposit HK$8.74M · loan HK$20.38M · min. income ≈ HK$197,572/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,237,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,413
−HK$5,587/mo
▼ 0.25% · 3.875%
HK$106,187
−HK$2,813/mo
Today · 4.125%
HK$109,000
baseline
▲ 0.50% · 4.625%
HK$114,746
+HK$5,746/mo
Deposit HK$8.74M · loan HK$20.38M · min. income ≈ HK$218,000/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,237,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,516
−HK$7,494/mo
▼ 0.25% · 3.875%
HK$123,233
−HK$3,777/mo
Today · 4.125%
HK$127,010
baseline
▲ 0.50% · 4.625%
HK$134,738
+HK$7,728/mo
Deposit HK$2.91M · loan HK$26.21M · min. income ≈ HK$254,020/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,960
−HK$7,183/mo
▼ 0.25% · 3.875%
HK$136,526
−HK$3,617/mo
Today · 4.125%
HK$140,143
baseline
▲ 0.50% · 4.625%
HK$147,530
+HK$7,387/mo
Deposit HK$2.91M · loan HK$26.21M · min. income ≈ HK$280,286/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,534 · Scale 2, in force from 26 Feb 2026)