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$66,503
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$68,571
−HK$2,102/mo
Today · 4.125%
HK$70,673
baseline
▲ 0.50% · 4.625%
HK$74,973
+HK$4,300/mo
Deposit HK$14.58M · loan HK$14.58M · min. income ≈ HK$141,346/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,239,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,984
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$75,968
−HK$2,013/mo
Today · 4.125%
HK$77,981
baseline
▲ 0.50% · 4.625%
HK$82,091
+HK$4,110/mo
Deposit HK$14.58M · loan HK$14.58M · min. income ≈ HK$155,962/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,239,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,803
−HK$5,005/mo
▼ 0.25% · 3.875%
HK$82,286
−HK$2,522/mo
Today · 4.125%
HK$84,808
baseline
▲ 0.50% · 4.625%
HK$89,968
+HK$5,160/mo
Deposit HK$11.67M · loan HK$17.50M · min. income ≈ HK$169,616/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,239,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,780
−HK$4,797/mo
▼ 0.25% · 3.875%
HK$91,161
−HK$2,416/mo
Today · 4.125%
HK$93,577
baseline
▲ 0.50% · 4.625%
HK$98,510
+HK$4,933/mo
Deposit HK$11.67M · loan HK$17.50M · min. income ≈ HK$187,154/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,239,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,104
−HK$5,838/mo
▼ 0.25% · 3.875%
HK$96,000
−HK$2,942/mo
Today · 4.125%
HK$98,942
baseline
▲ 0.50% · 4.625%
HK$104,963
+HK$6,021/mo
Deposit HK$8.75M · loan HK$20.42M · min. income ≈ HK$197,884/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$1,239,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,577
−HK$5,596/mo
▼ 0.25% · 3.875%
HK$106,355
−HK$2,818/mo
Today · 4.125%
HK$109,173
baseline
▲ 0.50% · 4.625%
HK$114,928
+HK$5,755/mo
Deposit HK$8.75M · loan HK$20.42M · min. income ≈ HK$218,346/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$1,239,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,705
−HK$7,507/mo
▼ 0.25% · 3.875%
HK$123,429
−HK$3,783/mo
Today · 4.125%
HK$127,212
baseline
▲ 0.50% · 4.625%
HK$134,952
+HK$7,740/mo
Deposit HK$2.92M · loan HK$26.25M · min. income ≈ HK$254,424/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,239,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,171
−HK$7,194/mo
▼ 0.25% · 3.875%
HK$136,742
−HK$3,623/mo
Today · 4.125%
HK$140,365
baseline
▲ 0.50% · 4.625%
HK$147,764
+HK$7,399/mo
Deposit HK$2.92M · loan HK$26.25M · min. income ≈ HK$280,730/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,239,496 · Scale 2, in force from 26 Feb 2026)