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$66,392
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$68,457
−HK$2,098/mo
Today · 4.125%
HK$70,555
baseline
▲ 0.50% · 4.625%
HK$74,849
+HK$4,294/mo
Deposit HK$14.56M · loan HK$14.56M · min. income ≈ HK$141,110/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,237,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,861
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$75,841
−HK$2,010/mo
Today · 4.125%
HK$77,851
baseline
▲ 0.50% · 4.625%
HK$81,955
+HK$4,104/mo
Deposit HK$14.56M · loan HK$14.56M · min. income ≈ HK$155,702/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,237,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,671
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$82,149
−HK$2,518/mo
Today · 4.125%
HK$84,667
baseline
▲ 0.50% · 4.625%
HK$89,818
+HK$5,151/mo
Deposit HK$11.65M · loan HK$17.47M · min. income ≈ HK$169,334/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,237,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,633
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$91,010
−HK$2,411/mo
Today · 4.125%
HK$93,421
baseline
▲ 0.50% · 4.625%
HK$98,346
+HK$4,925/mo
Deposit HK$11.65M · loan HK$17.47M · min. income ≈ HK$186,842/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,237,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,949
−HK$5,829/mo
▼ 0.25% · 3.875%
HK$95,840
−HK$2,938/mo
Today · 4.125%
HK$98,778
baseline
▲ 0.50% · 4.625%
HK$104,788
+HK$6,010/mo
Deposit HK$8.73M · loan HK$20.38M · min. income ≈ HK$197,556/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,237,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,405
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$106,178
−HK$2,813/mo
Today · 4.125%
HK$108,991
baseline
▲ 0.50% · 4.625%
HK$114,736
+HK$5,745/mo
Deposit HK$8.73M · loan HK$20.38M · min. income ≈ HK$217,982/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,237,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,506
−HK$7,494/mo
▼ 0.25% · 3.875%
HK$123,223
−HK$3,777/mo
Today · 4.125%
HK$127,000
baseline
▲ 0.50% · 4.625%
HK$134,727
+HK$7,727/mo
Deposit HK$2.91M · loan HK$26.20M · min. income ≈ HK$254,000/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,949
−HK$7,183/mo
▼ 0.25% · 3.875%
HK$136,515
−HK$3,617/mo
Today · 4.125%
HK$140,132
baseline
▲ 0.50% · 4.625%
HK$147,518
+HK$7,386/mo
Deposit HK$2.91M · loan HK$26.20M · min. income ≈ HK$280,264/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,433 · Scale 2, in force from 26 Feb 2026)