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$66,162
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$68,220
−HK$2,091/mo
Today · 4.125%
HK$70,311
baseline
▲ 0.50% · 4.625%
HK$74,590
+HK$4,279/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$140,622/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,233,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,605
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$75,579
−HK$2,003/mo
Today · 4.125%
HK$77,582
baseline
▲ 0.50% · 4.625%
HK$81,671
+HK$4,089/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$155,164/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,233,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,395
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$81,865
−HK$2,509/mo
Today · 4.125%
HK$84,374
baseline
▲ 0.50% · 4.625%
HK$89,508
+HK$5,134/mo
Deposit HK$11.61M · loan HK$17.41M · min. income ≈ HK$168,748/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,233,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,326
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$90,695
−HK$2,403/mo
Today · 4.125%
HK$93,098
baseline
▲ 0.50% · 4.625%
HK$98,005
+HK$4,907/mo
Deposit HK$11.61M · loan HK$17.41M · min. income ≈ HK$186,196/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,233,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,627
−HK$5,809/mo
▼ 0.25% · 3.875%
HK$95,509
−HK$2,927/mo
Today · 4.125%
HK$98,436
baseline
▲ 0.50% · 4.625%
HK$104,426
+HK$5,990/mo
Deposit HK$8.70M · loan HK$20.31M · min. income ≈ HK$196,872/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,047
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$105,811
−HK$2,803/mo
Today · 4.125%
HK$108,614
baseline
▲ 0.50% · 4.625%
HK$114,340
+HK$5,726/mo
Deposit HK$8.70M · loan HK$20.31M · min. income ≈ HK$217,228/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,092
−HK$7,469/mo
▼ 0.25% · 3.875%
HK$122,797
−HK$3,764/mo
Today · 4.125%
HK$126,561
baseline
▲ 0.50% · 4.625%
HK$134,261
+HK$7,700/mo
Deposit HK$2.90M · loan HK$26.11M · min. income ≈ HK$253,122/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,233,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,489
−HK$7,158/mo
▼ 0.25% · 3.875%
HK$136,042
−HK$3,605/mo
Today · 4.125%
HK$139,647
baseline
▲ 0.50% · 4.625%
HK$147,008
+HK$7,361/mo
Deposit HK$2.90M · loan HK$26.11M · min. income ≈ HK$279,294/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,233,153 · Scale 2, in force from 26 Feb 2026)