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$66,377
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$68,442
−HK$2,098/mo
Today · 4.125%
HK$70,540
baseline
▲ 0.50% · 4.625%
HK$74,832
+HK$4,292/mo
Deposit HK$14.55M · loan HK$14.55M · min. income ≈ HK$141,080/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,237,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,844
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$75,825
−HK$2,009/mo
Today · 4.125%
HK$77,834
baseline
▲ 0.50% · 4.625%
HK$81,937
+HK$4,103/mo
Deposit HK$14.55M · loan HK$14.55M · min. income ≈ HK$155,668/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,237,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,653
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$82,131
−HK$2,517/mo
Today · 4.125%
HK$84,648
baseline
▲ 0.50% · 4.625%
HK$89,799
+HK$5,151/mo
Deposit HK$11.64M · loan HK$17.47M · min. income ≈ HK$169,296/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,237,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,613
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$90,990
−HK$2,411/mo
Today · 4.125%
HK$93,401
baseline
▲ 0.50% · 4.625%
HK$98,324
+HK$4,923/mo
Deposit HK$11.64M · loan HK$17.47M · min. income ≈ HK$186,802/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,237,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,928
−HK$5,828/mo
▼ 0.25% · 3.875%
HK$95,819
−HK$2,937/mo
Today · 4.125%
HK$98,756
baseline
▲ 0.50% · 4.625%
HK$104,765
+HK$6,009/mo
Deposit HK$8.73M · loan HK$20.38M · min. income ≈ HK$197,512/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,237,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,382
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$106,155
−HK$2,812/mo
Today · 4.125%
HK$108,967
baseline
▲ 0.50% · 4.625%
HK$114,711
+HK$5,744/mo
Deposit HK$8.73M · loan HK$20.38M · min. income ≈ HK$217,934/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,237,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,479
−HK$7,493/mo
▼ 0.25% · 3.875%
HK$123,196
−HK$3,776/mo
Today · 4.125%
HK$126,972
baseline
▲ 0.50% · 4.625%
HK$134,698
+HK$7,726/mo
Deposit HK$2.91M · loan HK$26.20M · min. income ≈ HK$253,944/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,920
−HK$7,181/mo
▼ 0.25% · 3.875%
HK$136,484
−HK$3,617/mo
Today · 4.125%
HK$140,101
baseline
▲ 0.50% · 4.625%
HK$147,486
+HK$7,385/mo
Deposit HK$2.91M · loan HK$26.20M · min. income ≈ HK$280,202/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,160 · Scale 2, in force from 26 Feb 2026)