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$66,291
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$68,353
−HK$2,095/mo
Today · 4.125%
HK$70,448
baseline
▲ 0.50% · 4.625%
HK$74,735
+HK$4,287/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$140,896/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,235,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,748
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$75,726
−HK$2,007/mo
Today · 4.125%
HK$77,733
baseline
▲ 0.50% · 4.625%
HK$81,830
+HK$4,097/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$155,466/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,235,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,549
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$82,024
−HK$2,514/mo
Today · 4.125%
HK$84,538
baseline
▲ 0.50% · 4.625%
HK$89,682
+HK$5,144/mo
Deposit HK$11.63M · loan HK$17.44M · min. income ≈ HK$169,076/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,235,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,498
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$90,871
−HK$2,408/mo
Today · 4.125%
HK$93,279
baseline
▲ 0.50% · 4.625%
HK$98,196
+HK$4,917/mo
Deposit HK$11.63M · loan HK$17.44M · min. income ≈ HK$186,558/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,235,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,808
−HK$5,820/mo
▼ 0.25% · 3.875%
HK$95,695
−HK$2,933/mo
Today · 4.125%
HK$98,628
baseline
▲ 0.50% · 4.625%
HK$104,629
+HK$6,001/mo
Deposit HK$8.72M · loan HK$20.35M · min. income ≈ HK$197,256/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,235,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,248
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$106,017
−HK$2,809/mo
Today · 4.125%
HK$108,826
baseline
▲ 0.50% · 4.625%
HK$114,562
+HK$5,736/mo
Deposit HK$8.72M · loan HK$20.35M · min. income ≈ HK$217,652/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,235,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,324
−HK$7,483/mo
▼ 0.25% · 3.875%
HK$123,036
−HK$3,771/mo
Today · 4.125%
HK$126,807
baseline
▲ 0.50% · 4.625%
HK$134,523
+HK$7,716/mo
Deposit HK$2.91M · loan HK$26.16M · min. income ≈ HK$253,614/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,747
−HK$7,172/mo
▼ 0.25% · 3.875%
HK$136,307
−HK$3,612/mo
Today · 4.125%
HK$139,919
baseline
▲ 0.50% · 4.625%
HK$147,294
+HK$7,375/mo
Deposit HK$2.91M · loan HK$26.16M · min. income ≈ HK$279,838/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,553 · Scale 2, in force from 26 Feb 2026)