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$66,389
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$68,454
−HK$2,098/mo
Today · 4.125%
HK$70,552
baseline
▲ 0.50% · 4.625%
HK$74,845
+HK$4,293/mo
Deposit HK$14.56M · loan HK$14.56M · min. income ≈ HK$141,104/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,237,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,857
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$75,838
−HK$2,010/mo
Today · 4.125%
HK$77,848
baseline
▲ 0.50% · 4.625%
HK$81,951
+HK$4,103/mo
Deposit HK$14.56M · loan HK$14.56M · min. income ≈ HK$155,696/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,237,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,667
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$82,145
−HK$2,518/mo
Today · 4.125%
HK$84,663
baseline
▲ 0.50% · 4.625%
HK$89,814
+HK$5,151/mo
Deposit HK$11.65M · loan HK$17.47M · min. income ≈ HK$169,326/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,237,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,629
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$91,006
−HK$2,411/mo
Today · 4.125%
HK$93,417
baseline
▲ 0.50% · 4.625%
HK$98,341
+HK$4,924/mo
Deposit HK$11.65M · loan HK$17.47M · min. income ≈ HK$186,834/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,237,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,945
−HK$5,828/mo
▼ 0.25% · 3.875%
HK$95,836
−HK$2,937/mo
Today · 4.125%
HK$98,773
baseline
▲ 0.50% · 4.625%
HK$104,784
+HK$6,011/mo
Deposit HK$8.73M · loan HK$20.38M · min. income ≈ HK$197,546/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,237,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,400
−HK$5,587/mo
▼ 0.25% · 3.875%
HK$106,173
−HK$2,814/mo
Today · 4.125%
HK$108,987
baseline
▲ 0.50% · 4.625%
HK$114,732
+HK$5,745/mo
Deposit HK$8.73M · loan HK$20.38M · min. income ≈ HK$217,974/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,237,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,501
−HK$7,493/mo
▼ 0.25% · 3.875%
HK$123,218
−HK$3,776/mo
Today · 4.125%
HK$126,994
baseline
▲ 0.50% · 4.625%
HK$134,722
+HK$7,728/mo
Deposit HK$2.91M · loan HK$26.20M · min. income ≈ HK$253,988/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,943
−HK$7,183/mo
▼ 0.25% · 3.875%
HK$136,509
−HK$3,617/mo
Today · 4.125%
HK$140,126
baseline
▲ 0.50% · 4.625%
HK$147,512
+HK$7,386/mo
Deposit HK$2.91M · loan HK$26.20M · min. income ≈ HK$280,252/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,380 · Scale 2, in force from 26 Feb 2026)