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$66,402
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$68,467
−HK$2,099/mo
Today · 4.125%
HK$70,566
baseline
▲ 0.50% · 4.625%
HK$74,860
+HK$4,294/mo
Deposit HK$14.56M · loan HK$14.56M · min. income ≈ HK$141,132/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,237,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,871
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$75,853
−HK$2,009/mo
Today · 4.125%
HK$77,862
baseline
▲ 0.50% · 4.625%
HK$81,967
+HK$4,105/mo
Deposit HK$14.56M · loan HK$14.56M · min. income ≈ HK$155,724/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,237,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,682
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$82,161
−HK$2,518/mo
Today · 4.125%
HK$84,679
baseline
▲ 0.50% · 4.625%
HK$89,832
+HK$5,153/mo
Deposit HK$11.65M · loan HK$17.47M · min. income ≈ HK$169,358/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,237,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,646
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$91,023
−HK$2,412/mo
Today · 4.125%
HK$93,435
baseline
▲ 0.50% · 4.625%
HK$98,360
+HK$4,925/mo
Deposit HK$11.65M · loan HK$17.47M · min. income ≈ HK$186,870/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,237,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,963
−HK$5,829/mo
▼ 0.25% · 3.875%
HK$95,854
−HK$2,938/mo
Today · 4.125%
HK$98,792
baseline
▲ 0.50% · 4.625%
HK$104,804
+HK$6,012/mo
Deposit HK$8.74M · loan HK$20.38M · min. income ≈ HK$197,584/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,237,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,420
−HK$5,587/mo
▼ 0.25% · 3.875%
HK$106,194
−HK$2,813/mo
Today · 4.125%
HK$109,007
baseline
▲ 0.50% · 4.625%
HK$114,753
+HK$5,746/mo
Deposit HK$8.74M · loan HK$20.38M · min. income ≈ HK$218,014/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,237,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,523
−HK$7,496/mo
▼ 0.25% · 3.875%
HK$123,241
−HK$3,778/mo
Today · 4.125%
HK$127,019
baseline
▲ 0.50% · 4.625%
HK$134,747
+HK$7,728/mo
Deposit HK$2.91M · loan HK$26.21M · min. income ≈ HK$254,038/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,969
−HK$7,183/mo
▼ 0.25% · 3.875%
HK$136,535
−HK$3,617/mo
Today · 4.125%
HK$140,152
baseline
▲ 0.50% · 4.625%
HK$147,540
+HK$7,388/mo
Deposit HK$2.91M · loan HK$26.21M · min. income ≈ HK$280,304/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,616 · Scale 2, in force from 26 Feb 2026)