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$66,399
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$68,464
−HK$2,099/mo
Today · 4.125%
HK$70,563
baseline
▲ 0.50% · 4.625%
HK$74,856
+HK$4,293/mo
Deposit HK$14.56M · loan HK$14.56M · min. income ≈ HK$141,126/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,237,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,868
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$75,849
−HK$2,010/mo
Today · 4.125%
HK$77,859
baseline
▲ 0.50% · 4.625%
HK$81,963
+HK$4,104/mo
Deposit HK$14.56M · loan HK$14.56M · min. income ≈ HK$155,718/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,237,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,679
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$82,157
−HK$2,518/mo
Today · 4.125%
HK$84,675
baseline
▲ 0.50% · 4.625%
HK$89,828
+HK$5,153/mo
Deposit HK$11.65M · loan HK$17.47M · min. income ≈ HK$169,350/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,237,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,642
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$91,019
−HK$2,412/mo
Today · 4.125%
HK$93,431
baseline
▲ 0.50% · 4.625%
HK$98,356
+HK$4,925/mo
Deposit HK$11.65M · loan HK$17.47M · min. income ≈ HK$186,862/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,237,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,959
−HK$5,829/mo
▼ 0.25% · 3.875%
HK$95,850
−HK$2,938/mo
Today · 4.125%
HK$98,788
baseline
▲ 0.50% · 4.625%
HK$104,799
+HK$6,011/mo
Deposit HK$8.74M · loan HK$20.38M · min. income ≈ HK$197,576/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,237,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,416
−HK$5,587/mo
▼ 0.25% · 3.875%
HK$106,189
−HK$2,814/mo
Today · 4.125%
HK$109,003
baseline
▲ 0.50% · 4.625%
HK$114,748
+HK$5,745/mo
Deposit HK$8.74M · loan HK$20.38M · min. income ≈ HK$218,006/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,237,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,518
−HK$7,495/mo
▼ 0.25% · 3.875%
HK$123,236
−HK$3,777/mo
Today · 4.125%
HK$127,013
baseline
▲ 0.50% · 4.625%
HK$134,742
+HK$7,729/mo
Deposit HK$2.91M · loan HK$26.21M · min. income ≈ HK$254,026/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,963
−HK$7,183/mo
▼ 0.25% · 3.875%
HK$136,529
−HK$3,617/mo
Today · 4.125%
HK$140,146
baseline
▲ 0.50% · 4.625%
HK$147,534
+HK$7,388/mo
Deposit HK$2.91M · loan HK$26.21M · min. income ≈ HK$280,292/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,562 · Scale 2, in force from 26 Feb 2026)