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$66,190
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$68,249
−HK$2,091/mo
Today · 4.125%
HK$70,340
baseline
▲ 0.50% · 4.625%
HK$74,620
+HK$4,280/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$140,680/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,233,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,635
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$75,610
−HK$2,004/mo
Today · 4.125%
HK$77,614
baseline
▲ 0.50% · 4.625%
HK$81,705
+HK$4,091/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$155,228/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,233,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,428
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$81,898
−HK$2,510/mo
Today · 4.125%
HK$84,408
baseline
▲ 0.50% · 4.625%
HK$89,544
+HK$5,136/mo
Deposit HK$11.61M · loan HK$17.42M · min. income ≈ HK$168,816/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,233,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,362
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$90,732
−HK$2,404/mo
Today · 4.125%
HK$93,136
baseline
▲ 0.50% · 4.625%
HK$98,046
+HK$4,910/mo
Deposit HK$11.61M · loan HK$17.42M · min. income ≈ HK$186,272/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,233,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,665
−HK$5,811/mo
▼ 0.25% · 3.875%
HK$95,548
−HK$2,928/mo
Today · 4.125%
HK$98,476
baseline
▲ 0.50% · 4.625%
HK$104,468
+HK$5,992/mo
Deposit HK$8.71M · loan HK$20.32M · min. income ≈ HK$196,952/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,089
−HK$5,570/mo
▼ 0.25% · 3.875%
HK$105,854
−HK$2,805/mo
Today · 4.125%
HK$108,659
baseline
▲ 0.50% · 4.625%
HK$114,387
+HK$5,728/mo
Deposit HK$8.71M · loan HK$20.32M · min. income ≈ HK$217,318/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,141
−HK$7,472/mo
▼ 0.25% · 3.875%
HK$122,847
−HK$3,766/mo
Today · 4.125%
HK$126,613
baseline
▲ 0.50% · 4.625%
HK$134,317
+HK$7,704/mo
Deposit HK$2.90M · loan HK$26.12M · min. income ≈ HK$253,226/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,233,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,544
−HK$7,160/mo
▼ 0.25% · 3.875%
HK$136,098
−HK$3,606/mo
Today · 4.125%
HK$139,704
baseline
▲ 0.50% · 4.625%
HK$147,068
+HK$7,364/mo
Deposit HK$2.90M · loan HK$26.12M · min. income ≈ HK$279,408/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,233,660 · Scale 2, in force from 26 Feb 2026)