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$66,271
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$68,332
−HK$2,095/mo
Today · 4.125%
HK$70,427
baseline
▲ 0.50% · 4.625%
HK$74,712
+HK$4,285/mo
Deposit HK$14.53M · loan HK$14.53M · min. income ≈ HK$140,854/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,235,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,726
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$75,703
−HK$2,006/mo
Today · 4.125%
HK$77,709
baseline
▲ 0.50% · 4.625%
HK$81,805
+HK$4,096/mo
Deposit HK$14.53M · loan HK$14.53M · min. income ≈ HK$155,418/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,235,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,525
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$81,999
−HK$2,513/mo
Today · 4.125%
HK$84,512
baseline
▲ 0.50% · 4.625%
HK$89,654
+HK$5,142/mo
Deposit HK$11.63M · loan HK$17.44M · min. income ≈ HK$169,024/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,235,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,471
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$90,843
−HK$2,408/mo
Today · 4.125%
HK$93,251
baseline
▲ 0.50% · 4.625%
HK$98,166
+HK$4,915/mo
Deposit HK$11.63M · loan HK$17.44M · min. income ≈ HK$186,502/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,235,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,779
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$95,665
−HK$2,932/mo
Today · 4.125%
HK$98,597
baseline
▲ 0.50% · 4.625%
HK$104,597
+HK$6,000/mo
Deposit HK$8.72M · loan HK$20.34M · min. income ≈ HK$197,194/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,235,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,216
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$105,984
−HK$2,808/mo
Today · 4.125%
HK$108,792
baseline
▲ 0.50% · 4.625%
HK$114,527
+HK$5,735/mo
Deposit HK$8.72M · loan HK$20.34M · min. income ≈ HK$217,584/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,235,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,287
−HK$7,481/mo
▼ 0.25% · 3.875%
HK$122,998
−HK$3,770/mo
Today · 4.125%
HK$126,768
baseline
▲ 0.50% · 4.625%
HK$134,481
+HK$7,713/mo
Deposit HK$2.91M · loan HK$26.16M · min. income ≈ HK$253,536/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,706
−HK$7,170/mo
▼ 0.25% · 3.875%
HK$136,265
−HK$3,611/mo
Today · 4.125%
HK$139,876
baseline
▲ 0.50% · 4.625%
HK$147,249
+HK$7,373/mo
Deposit HK$2.91M · loan HK$26.16M · min. income ≈ HK$279,752/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,172 · Scale 2, in force from 26 Feb 2026)