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$66,441
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$68,508
−HK$2,099/mo
Today · 4.125%
HK$70,607
baseline
▲ 0.50% · 4.625%
HK$74,904
+HK$4,297/mo
Deposit HK$14.57M · loan HK$14.57M · min. income ≈ HK$141,214/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,238,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,915
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$75,897
−HK$2,011/mo
Today · 4.125%
HK$77,908
baseline
▲ 0.50% · 4.625%
HK$82,015
+HK$4,107/mo
Deposit HK$14.57M · loan HK$14.57M · min. income ≈ HK$155,816/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,238,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,729
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$82,209
−HK$2,520/mo
Today · 4.125%
HK$84,729
baseline
▲ 0.50% · 4.625%
HK$89,884
+HK$5,155/mo
Deposit HK$11.65M · loan HK$17.48M · min. income ≈ HK$169,458/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,238,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,698
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$91,077
−HK$2,413/mo
Today · 4.125%
HK$93,490
baseline
▲ 0.50% · 4.625%
HK$98,418
+HK$4,928/mo
Deposit HK$11.65M · loan HK$17.48M · min. income ≈ HK$186,980/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,238,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,017
−HK$5,833/mo
▼ 0.25% · 3.875%
HK$95,911
−HK$2,939/mo
Today · 4.125%
HK$98,850
baseline
▲ 0.50% · 4.625%
HK$104,865
+HK$6,015/mo
Deposit HK$8.74M · loan HK$20.40M · min. income ≈ HK$197,700/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,481
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$106,256
−HK$2,815/mo
Today · 4.125%
HK$109,071
baseline
▲ 0.50% · 4.625%
HK$114,821
+HK$5,750/mo
Deposit HK$8.74M · loan HK$20.40M · min. income ≈ HK$218,142/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,594
−HK$7,499/mo
▼ 0.25% · 3.875%
HK$123,314
−HK$3,779/mo
Today · 4.125%
HK$127,093
baseline
▲ 0.50% · 4.625%
HK$134,826
+HK$7,733/mo
Deposit HK$2.91M · loan HK$26.22M · min. income ≈ HK$254,186/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,047
−HK$7,188/mo
▼ 0.25% · 3.875%
HK$136,615
−HK$3,620/mo
Today · 4.125%
HK$140,235
baseline
▲ 0.50% · 4.625%
HK$147,627
+HK$7,392/mo
Deposit HK$2.91M · loan HK$26.22M · min. income ≈ HK$280,470/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,342 · Scale 2, in force from 26 Feb 2026)