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$66,233
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$68,293
−HK$2,093/mo
Today · 4.125%
HK$70,386
baseline
▲ 0.50% · 4.625%
HK$74,669
+HK$4,283/mo
Deposit HK$14.52M · loan HK$14.52M · min. income ≈ HK$140,772/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,234,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,683
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$75,659
−HK$2,005/mo
Today · 4.125%
HK$77,664
baseline
▲ 0.50% · 4.625%
HK$81,758
+HK$4,094/mo
Deposit HK$14.52M · loan HK$14.52M · min. income ≈ HK$155,328/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,234,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,479
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$81,951
−HK$2,512/mo
Today · 4.125%
HK$84,463
baseline
▲ 0.50% · 4.625%
HK$89,603
+HK$5,140/mo
Deposit HK$11.62M · loan HK$17.43M · min. income ≈ HK$168,926/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,234,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,420
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$90,791
−HK$2,406/mo
Today · 4.125%
HK$93,197
baseline
▲ 0.50% · 4.625%
HK$98,109
+HK$4,912/mo
Deposit HK$11.62M · loan HK$17.43M · min. income ≈ HK$186,394/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,234,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,726
−HK$5,814/mo
▼ 0.25% · 3.875%
HK$95,610
−HK$2,930/mo
Today · 4.125%
HK$98,540
baseline
▲ 0.50% · 4.625%
HK$104,536
+HK$5,996/mo
Deposit HK$8.71M · loan HK$20.33M · min. income ≈ HK$197,080/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,234,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,156
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$105,923
−HK$2,807/mo
Today · 4.125%
HK$108,730
baseline
▲ 0.50% · 4.625%
HK$114,461
+HK$5,731/mo
Deposit HK$8.71M · loan HK$20.33M · min. income ≈ HK$217,460/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,234,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,219
−HK$7,476/mo
▼ 0.25% · 3.875%
HK$122,927
−HK$3,768/mo
Today · 4.125%
HK$126,695
baseline
▲ 0.50% · 4.625%
HK$134,404
+HK$7,709/mo
Deposit HK$2.90M · loan HK$26.14M · min. income ≈ HK$253,390/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,234,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,630
−HK$7,165/mo
▼ 0.25% · 3.875%
HK$136,187
−HK$3,608/mo
Today · 4.125%
HK$139,795
baseline
▲ 0.50% · 4.625%
HK$147,164
+HK$7,369/mo
Deposit HK$2.90M · loan HK$26.14M · min. income ≈ HK$279,590/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,234,460 · Scale 2, in force from 26 Feb 2026)