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$66,276
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$68,338
−HK$2,094/mo
Today · 4.125%
HK$70,432
baseline
▲ 0.50% · 4.625%
HK$74,718
+HK$4,286/mo
Deposit HK$14.53M · loan HK$14.53M · min. income ≈ HK$140,864/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,235,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,732
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$75,709
−HK$2,006/mo
Today · 4.125%
HK$77,715
baseline
▲ 0.50% · 4.625%
HK$81,812
+HK$4,097/mo
Deposit HK$14.53M · loan HK$14.53M · min. income ≈ HK$155,430/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,235,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,532
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$82,005
−HK$2,514/mo
Today · 4.125%
HK$84,519
baseline
▲ 0.50% · 4.625%
HK$89,662
+HK$5,143/mo
Deposit HK$11.63M · loan HK$17.44M · min. income ≈ HK$169,038/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,235,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,478
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$90,851
−HK$2,407/mo
Today · 4.125%
HK$93,258
baseline
▲ 0.50% · 4.625%
HK$98,174
+HK$4,916/mo
Deposit HK$11.63M · loan HK$17.44M · min. income ≈ HK$186,516/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,235,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,787
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$95,673
−HK$2,932/mo
Today · 4.125%
HK$98,605
baseline
▲ 0.50% · 4.625%
HK$104,605
+HK$6,000/mo
Deposit HK$8.72M · loan HK$20.35M · min. income ≈ HK$197,210/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,235,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,224
−HK$5,577/mo
▼ 0.25% · 3.875%
HK$105,993
−HK$2,808/mo
Today · 4.125%
HK$108,801
baseline
▲ 0.50% · 4.625%
HK$114,536
+HK$5,735/mo
Deposit HK$8.72M · loan HK$20.35M · min. income ≈ HK$217,602/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,235,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,297
−HK$7,481/mo
▼ 0.25% · 3.875%
HK$123,008
−HK$3,770/mo
Today · 4.125%
HK$126,778
baseline
▲ 0.50% · 4.625%
HK$134,492
+HK$7,714/mo
Deposit HK$2.91M · loan HK$26.16M · min. income ≈ HK$253,556/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,717
−HK$7,170/mo
▼ 0.25% · 3.875%
HK$136,276
−HK$3,611/mo
Today · 4.125%
HK$139,887
baseline
▲ 0.50% · 4.625%
HK$147,261
+HK$7,374/mo
Deposit HK$2.91M · loan HK$26.16M · min. income ≈ HK$279,774/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,274 · Scale 2, in force from 26 Feb 2026)