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$66,292
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$68,354
−HK$2,095/mo
Today · 4.125%
HK$70,449
baseline
▲ 0.50% · 4.625%
HK$74,736
+HK$4,287/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$140,898/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,235,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,749
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$75,727
−HK$2,007/mo
Today · 4.125%
HK$77,734
baseline
▲ 0.50% · 4.625%
HK$81,831
+HK$4,097/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$155,468/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,235,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,551
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$82,025
−HK$2,514/mo
Today · 4.125%
HK$84,539
baseline
▲ 0.50% · 4.625%
HK$89,683
+HK$5,144/mo
Deposit HK$11.63M · loan HK$17.44M · min. income ≈ HK$169,078/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,235,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,499
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$90,873
−HK$2,408/mo
Today · 4.125%
HK$93,281
baseline
▲ 0.50% · 4.625%
HK$98,197
+HK$4,916/mo
Deposit HK$11.63M · loan HK$17.44M · min. income ≈ HK$186,562/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,235,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,809
−HK$5,820/mo
▼ 0.25% · 3.875%
HK$95,696
−HK$2,933/mo
Today · 4.125%
HK$98,629
baseline
▲ 0.50% · 4.625%
HK$104,630
+HK$6,001/mo
Deposit HK$8.72M · loan HK$20.35M · min. income ≈ HK$197,258/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,235,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,249
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$106,018
−HK$2,809/mo
Today · 4.125%
HK$108,827
baseline
▲ 0.50% · 4.625%
HK$114,564
+HK$5,737/mo
Deposit HK$8.72M · loan HK$20.35M · min. income ≈ HK$217,654/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,235,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,326
−HK$7,483/mo
▼ 0.25% · 3.875%
HK$123,038
−HK$3,771/mo
Today · 4.125%
HK$126,809
baseline
▲ 0.50% · 4.625%
HK$134,525
+HK$7,716/mo
Deposit HK$2.91M · loan HK$26.17M · min. income ≈ HK$253,618/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,749
−HK$7,172/mo
▼ 0.25% · 3.875%
HK$136,309
−HK$3,612/mo
Today · 4.125%
HK$139,921
baseline
▲ 0.50% · 4.625%
HK$147,296
+HK$7,375/mo
Deposit HK$2.91M · loan HK$26.17M · min. income ≈ HK$279,842/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,570 · Scale 2, in force from 26 Feb 2026)