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$66,289
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$68,351
−HK$2,095/mo
Today · 4.125%
HK$70,446
baseline
▲ 0.50% · 4.625%
HK$74,733
+HK$4,287/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$140,892/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,235,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,746
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$75,724
−HK$2,006/mo
Today · 4.125%
HK$77,730
baseline
▲ 0.50% · 4.625%
HK$81,828
+HK$4,098/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$155,460/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,235,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,547
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$82,021
−HK$2,514/mo
Today · 4.125%
HK$84,535
baseline
▲ 0.50% · 4.625%
HK$89,679
+HK$5,144/mo
Deposit HK$11.63M · loan HK$17.44M · min. income ≈ HK$169,070/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,235,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,495
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$90,869
−HK$2,407/mo
Today · 4.125%
HK$93,276
baseline
▲ 0.50% · 4.625%
HK$98,193
+HK$4,917/mo
Deposit HK$11.63M · loan HK$17.44M · min. income ≈ HK$186,552/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,235,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,805
−HK$5,819/mo
▼ 0.25% · 3.875%
HK$95,692
−HK$2,932/mo
Today · 4.125%
HK$98,624
baseline
▲ 0.50% · 4.625%
HK$104,626
+HK$6,002/mo
Deposit HK$8.72M · loan HK$20.35M · min. income ≈ HK$197,248/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,235,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,244
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$106,013
−HK$2,809/mo
Today · 4.125%
HK$108,822
baseline
▲ 0.50% · 4.625%
HK$114,559
+HK$5,737/mo
Deposit HK$8.72M · loan HK$20.35M · min. income ≈ HK$217,644/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,235,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,320
−HK$7,483/mo
▼ 0.25% · 3.875%
HK$123,032
−HK$3,771/mo
Today · 4.125%
HK$126,803
baseline
▲ 0.50% · 4.625%
HK$134,519
+HK$7,716/mo
Deposit HK$2.91M · loan HK$26.16M · min. income ≈ HK$253,606/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,743
−HK$7,172/mo
▼ 0.25% · 3.875%
HK$136,303
−HK$3,612/mo
Today · 4.125%
HK$139,915
baseline
▲ 0.50% · 4.625%
HK$147,290
+HK$7,375/mo
Deposit HK$2.91M · loan HK$26.16M · min. income ≈ HK$279,830/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,515 · Scale 2, in force from 26 Feb 2026)