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$66,420
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$68,486
−HK$2,099/mo
Today · 4.125%
HK$70,585
baseline
▲ 0.50% · 4.625%
HK$74,880
+HK$4,295/mo
Deposit HK$14.56M · loan HK$14.56M · min. income ≈ HK$141,170/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,237,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,891
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$75,873
−HK$2,010/mo
Today · 4.125%
HK$77,883
baseline
▲ 0.50% · 4.625%
HK$81,988
+HK$4,105/mo
Deposit HK$14.56M · loan HK$14.56M · min. income ≈ HK$155,766/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,237,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,703
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$82,183
−HK$2,519/mo
Today · 4.125%
HK$84,702
baseline
▲ 0.50% · 4.625%
HK$89,855
+HK$5,153/mo
Deposit HK$11.65M · loan HK$17.48M · min. income ≈ HK$169,404/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,237,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,669
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$91,047
−HK$2,413/mo
Today · 4.125%
HK$93,460
baseline
▲ 0.50% · 4.625%
HK$98,386
+HK$4,926/mo
Deposit HK$11.65M · loan HK$17.48M · min. income ≈ HK$186,920/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,237,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,987
−HK$5,831/mo
▼ 0.25% · 3.875%
HK$95,880
−HK$2,938/mo
Today · 4.125%
HK$98,818
baseline
▲ 0.50% · 4.625%
HK$104,831
+HK$6,013/mo
Deposit HK$8.74M · loan HK$20.39M · min. income ≈ HK$197,636/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,237,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,447
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$106,222
−HK$2,814/mo
Today · 4.125%
HK$109,036
baseline
▲ 0.50% · 4.625%
HK$114,784
+HK$5,748/mo
Deposit HK$8.74M · loan HK$20.39M · min. income ≈ HK$218,072/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,237,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,555
−HK$7,497/mo
▼ 0.25% · 3.875%
HK$123,274
−HK$3,778/mo
Today · 4.125%
HK$127,052
baseline
▲ 0.50% · 4.625%
HK$134,783
+HK$7,731/mo
Deposit HK$2.91M · loan HK$26.22M · min. income ≈ HK$254,104/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,004
−HK$7,186/mo
▼ 0.25% · 3.875%
HK$136,571
−HK$3,619/mo
Today · 4.125%
HK$140,190
baseline
▲ 0.50% · 4.625%
HK$147,579
+HK$7,389/mo
Deposit HK$2.91M · loan HK$26.22M · min. income ≈ HK$280,380/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,944 · Scale 2, in force from 26 Feb 2026)