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$66,238
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$68,298
−HK$2,094/mo
Today · 4.125%
HK$70,392
baseline
▲ 0.50% · 4.625%
HK$74,675
+HK$4,283/mo
Deposit HK$14.52M · loan HK$14.52M · min. income ≈ HK$140,784/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,234,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,689
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$75,665
−HK$2,005/mo
Today · 4.125%
HK$77,670
baseline
▲ 0.50% · 4.625%
HK$81,764
+HK$4,094/mo
Deposit HK$14.52M · loan HK$14.52M · min. income ≈ HK$155,340/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,234,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,485
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$81,958
−HK$2,512/mo
Today · 4.125%
HK$84,470
baseline
▲ 0.50% · 4.625%
HK$89,610
+HK$5,140/mo
Deposit HK$11.62M · loan HK$17.43M · min. income ≈ HK$168,940/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,234,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,427
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$90,798
−HK$2,406/mo
Today · 4.125%
HK$93,204
baseline
▲ 0.50% · 4.625%
HK$98,117
+HK$4,913/mo
Deposit HK$11.62M · loan HK$17.43M · min. income ≈ HK$186,408/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,234,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,733
−HK$5,815/mo
▼ 0.25% · 3.875%
HK$95,618
−HK$2,930/mo
Today · 4.125%
HK$98,548
baseline
▲ 0.50% · 4.625%
HK$104,545
+HK$5,997/mo
Deposit HK$8.71M · loan HK$20.33M · min. income ≈ HK$197,096/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,234,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,165
−HK$5,573/mo
▼ 0.25% · 3.875%
HK$105,931
−HK$2,807/mo
Today · 4.125%
HK$108,738
baseline
▲ 0.50% · 4.625%
HK$114,470
+HK$5,732/mo
Deposit HK$8.71M · loan HK$20.33M · min. income ≈ HK$217,476/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,234,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,228
−HK$7,477/mo
▼ 0.25% · 3.875%
HK$122,937
−HK$3,768/mo
Today · 4.125%
HK$126,705
baseline
▲ 0.50% · 4.625%
HK$134,415
+HK$7,710/mo
Deposit HK$2.90M · loan HK$26.14M · min. income ≈ HK$253,410/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,234,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,640
−HK$7,166/mo
▼ 0.25% · 3.875%
HK$136,198
−HK$3,608/mo
Today · 4.125%
HK$139,806
baseline
▲ 0.50% · 4.625%
HK$147,176
+HK$7,370/mo
Deposit HK$2.90M · loan HK$26.14M · min. income ≈ HK$279,612/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,234,559 · Scale 2, in force from 26 Feb 2026)