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$66,343
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$68,407
−HK$2,096/mo
Today · 4.125%
HK$70,503
baseline
▲ 0.50% · 4.625%
HK$74,793
+HK$4,290/mo
Deposit HK$14.55M · loan HK$14.55M · min. income ≈ HK$141,006/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,236,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,806
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$75,785
−HK$2,008/mo
Today · 4.125%
HK$77,793
baseline
▲ 0.50% · 4.625%
HK$81,894
+HK$4,101/mo
Deposit HK$14.55M · loan HK$14.55M · min. income ≈ HK$155,586/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,236,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,612
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$82,088
−HK$2,516/mo
Today · 4.125%
HK$84,604
baseline
▲ 0.50% · 4.625%
HK$89,752
+HK$5,148/mo
Deposit HK$11.64M · loan HK$17.46M · min. income ≈ HK$169,208/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,236,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,567
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$90,942
−HK$2,410/mo
Today · 4.125%
HK$93,352
baseline
▲ 0.50% · 4.625%
HK$98,273
+HK$4,921/mo
Deposit HK$11.64M · loan HK$17.46M · min. income ≈ HK$186,704/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,236,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,880
−HK$5,825/mo
▼ 0.25% · 3.875%
HK$95,769
−HK$2,936/mo
Today · 4.125%
HK$98,705
baseline
▲ 0.50% · 4.625%
HK$104,710
+HK$6,005/mo
Deposit HK$8.73M · loan HK$20.37M · min. income ≈ HK$197,410/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,236,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,328
−HK$5,583/mo
▼ 0.25% · 3.875%
HK$106,099
−HK$2,812/mo
Today · 4.125%
HK$108,911
baseline
▲ 0.50% · 4.625%
HK$114,652
+HK$5,741/mo
Deposit HK$8.73M · loan HK$20.37M · min. income ≈ HK$217,822/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,236,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,417
−HK$7,489/mo
▼ 0.25% · 3.875%
HK$123,132
−HK$3,774/mo
Today · 4.125%
HK$126,906
baseline
▲ 0.50% · 4.625%
HK$134,628
+HK$7,722/mo
Deposit HK$2.91M · loan HK$26.19M · min. income ≈ HK$253,812/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,236,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,851
−HK$7,177/mo
▼ 0.25% · 3.875%
HK$136,414
−HK$3,614/mo
Today · 4.125%
HK$140,028
baseline
▲ 0.50% · 4.625%
HK$147,409
+HK$7,381/mo
Deposit HK$2.91M · loan HK$26.19M · min. income ≈ HK$280,056/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,236,517 · Scale 2, in force from 26 Feb 2026)