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$66,319
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$68,382
−HK$2,096/mo
Today · 4.125%
HK$70,478
baseline
▲ 0.50% · 4.625%
HK$74,767
+HK$4,289/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$140,956/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,236,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,780
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,759
−HK$2,007/mo
Today · 4.125%
HK$77,766
baseline
▲ 0.50% · 4.625%
HK$81,865
+HK$4,099/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$155,532/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,236,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,583
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$82,059
−HK$2,515/mo
Today · 4.125%
HK$84,574
baseline
▲ 0.50% · 4.625%
HK$89,720
+HK$5,146/mo
Deposit HK$11.63M · loan HK$17.45M · min. income ≈ HK$169,148/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,236,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,536
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$90,910
−HK$2,409/mo
Today · 4.125%
HK$93,319
baseline
▲ 0.50% · 4.625%
HK$98,238
+HK$4,919/mo
Deposit HK$11.63M · loan HK$17.45M · min. income ≈ HK$186,638/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,236,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,847
−HK$5,823/mo
▼ 0.25% · 3.875%
HK$95,735
−HK$2,935/mo
Today · 4.125%
HK$98,670
baseline
▲ 0.50% · 4.625%
HK$104,673
+HK$6,003/mo
Deposit HK$8.73M · loan HK$20.36M · min. income ≈ HK$197,340/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,236,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,292
−HK$5,580/mo
▼ 0.25% · 3.875%
HK$106,062
−HK$2,810/mo
Today · 4.125%
HK$108,872
baseline
▲ 0.50% · 4.625%
HK$114,611
+HK$5,739/mo
Deposit HK$8.73M · loan HK$20.36M · min. income ≈ HK$217,744/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,236,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,375
−HK$7,486/mo
▼ 0.25% · 3.875%
HK$123,088
−HK$3,773/mo
Today · 4.125%
HK$126,861
baseline
▲ 0.50% · 4.625%
HK$134,580
+HK$7,719/mo
Deposit HK$2.91M · loan HK$26.18M · min. income ≈ HK$253,722/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,236,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,804
−HK$7,175/mo
▼ 0.25% · 3.875%
HK$136,365
−HK$3,614/mo
Today · 4.125%
HK$139,979
baseline
▲ 0.50% · 4.625%
HK$147,357
+HK$7,378/mo
Deposit HK$2.91M · loan HK$26.18M · min. income ≈ HK$279,958/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,236,080 · Scale 2, in force from 26 Feb 2026)