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$65,866
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$67,914
−HK$2,082/mo
Today · 4.125%
HK$69,996
baseline
▲ 0.50% · 4.625%
HK$74,255
+HK$4,259/mo
Deposit HK$14.44M · loan HK$14.44M · min. income ≈ HK$139,992/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,227,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,275
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$75,240
−HK$1,994/mo
Today · 4.125%
HK$77,234
baseline
▲ 0.50% · 4.625%
HK$81,305
+HK$4,071/mo
Deposit HK$14.44M · loan HK$14.44M · min. income ≈ HK$154,468/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,227,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,039
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$81,497
−HK$2,498/mo
Today · 4.125%
HK$83,995
baseline
▲ 0.50% · 4.625%
HK$89,106
+HK$5,111/mo
Deposit HK$11.55M · loan HK$17.33M · min. income ≈ HK$167,990/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,227,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,930
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$90,288
−HK$2,392/mo
Today · 4.125%
HK$92,680
baseline
▲ 0.50% · 4.625%
HK$97,566
+HK$4,886/mo
Deposit HK$11.55M · loan HK$17.33M · min. income ≈ HK$185,360/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,227,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,212
−HK$5,782/mo
▼ 0.25% · 3.875%
HK$95,080
−HK$2,914/mo
Today · 4.125%
HK$97,994
baseline
▲ 0.50% · 4.625%
HK$103,957
+HK$5,963/mo
Deposit HK$8.67M · loan HK$20.22M · min. income ≈ HK$195,988/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$1,227,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,585
−HK$5,542/mo
▼ 0.25% · 3.875%
HK$105,336
−HK$2,791/mo
Today · 4.125%
HK$108,127
baseline
▲ 0.50% · 4.625%
HK$113,827
+HK$5,700/mo
Deposit HK$8.67M · loan HK$20.22M · min. income ≈ HK$216,254/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$1,227,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,558
−HK$7,435/mo
▼ 0.25% · 3.875%
HK$122,246
−HK$3,747/mo
Today · 4.125%
HK$125,993
baseline
▲ 0.50% · 4.625%
HK$133,659
+HK$7,666/mo
Deposit HK$2.89M · loan HK$26.00M · min. income ≈ HK$251,986/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,227,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,895
−HK$7,126/mo
▼ 0.25% · 3.875%
HK$135,432
−HK$3,589/mo
Today · 4.125%
HK$139,021
baseline
▲ 0.50% · 4.625%
HK$146,349
+HK$7,328/mo
Deposit HK$2.89M · loan HK$26.00M · min. income ≈ HK$278,042/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,227,620 · Scale 2, in force from 26 Feb 2026)