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$66,153
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$68,211
−HK$2,091/mo
Today · 4.125%
HK$70,302
baseline
▲ 0.50% · 4.625%
HK$74,579
+HK$4,277/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$140,604/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,232,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,595
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$75,569
−HK$2,002/mo
Today · 4.125%
HK$77,571
baseline
▲ 0.50% · 4.625%
HK$81,660
+HK$4,089/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$155,142/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,232,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,384
−HK$4,978/mo
▼ 0.25% · 3.875%
HK$81,853
−HK$2,509/mo
Today · 4.125%
HK$84,362
baseline
▲ 0.50% · 4.625%
HK$89,495
+HK$5,133/mo
Deposit HK$11.60M · loan HK$17.41M · min. income ≈ HK$168,724/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,232,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,314
−HK$4,771/mo
▼ 0.25% · 3.875%
HK$90,682
−HK$2,403/mo
Today · 4.125%
HK$93,085
baseline
▲ 0.50% · 4.625%
HK$97,992
+HK$4,907/mo
Deposit HK$11.60M · loan HK$17.41M · min. income ≈ HK$186,170/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,232,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,615
−HK$5,807/mo
▼ 0.25% · 3.875%
HK$95,495
−HK$2,927/mo
Today · 4.125%
HK$98,422
baseline
▲ 0.50% · 4.625%
HK$104,411
+HK$5,989/mo
Deposit HK$8.70M · loan HK$20.31M · min. income ≈ HK$196,844/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,232,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,033
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$105,796
−HK$2,803/mo
Today · 4.125%
HK$108,599
baseline
▲ 0.50% · 4.625%
HK$114,324
+HK$5,725/mo
Deposit HK$8.70M · loan HK$20.31M · min. income ≈ HK$217,198/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,232,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,076
−HK$7,467/mo
▼ 0.25% · 3.875%
HK$122,780
−HK$3,763/mo
Today · 4.125%
HK$126,543
baseline
▲ 0.50% · 4.625%
HK$134,243
+HK$7,700/mo
Deposit HK$2.90M · loan HK$26.11M · min. income ≈ HK$253,086/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,232,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,471
−HK$7,157/mo
▼ 0.25% · 3.875%
HK$136,024
−HK$3,604/mo
Today · 4.125%
HK$139,628
baseline
▲ 0.50% · 4.625%
HK$146,988
+HK$7,360/mo
Deposit HK$2.90M · loan HK$26.11M · min. income ≈ HK$279,256/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,232,982 · Scale 2, in force from 26 Feb 2026)