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$66,164
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$68,223
−HK$2,091/mo
Today · 4.125%
HK$70,314
baseline
▲ 0.50% · 4.625%
HK$74,592
+HK$4,278/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$140,628/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,233,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,607
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$75,581
−HK$2,003/mo
Today · 4.125%
HK$77,584
baseline
▲ 0.50% · 4.625%
HK$81,674
+HK$4,090/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$155,168/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,233,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,397
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$81,867
−HK$2,509/mo
Today · 4.125%
HK$84,376
baseline
▲ 0.50% · 4.625%
HK$89,510
+HK$5,134/mo
Deposit HK$11.61M · loan HK$17.41M · min. income ≈ HK$168,752/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,233,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,329
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$90,698
−HK$2,403/mo
Today · 4.125%
HK$93,101
baseline
▲ 0.50% · 4.625%
HK$98,008
+HK$4,907/mo
Deposit HK$11.61M · loan HK$17.41M · min. income ≈ HK$186,202/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,233,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,630
−HK$5,809/mo
▼ 0.25% · 3.875%
HK$95,512
−HK$2,927/mo
Today · 4.125%
HK$98,439
baseline
▲ 0.50% · 4.625%
HK$104,429
+HK$5,990/mo
Deposit HK$8.70M · loan HK$20.31M · min. income ≈ HK$196,878/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,050
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$105,814
−HK$2,804/mo
Today · 4.125%
HK$108,618
baseline
▲ 0.50% · 4.625%
HK$114,343
+HK$5,725/mo
Deposit HK$8.70M · loan HK$20.31M · min. income ≈ HK$217,236/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,096
−HK$7,468/mo
▼ 0.25% · 3.875%
HK$122,801
−HK$3,763/mo
Today · 4.125%
HK$126,564
baseline
▲ 0.50% · 4.625%
HK$134,266
+HK$7,702/mo
Deposit HK$2.90M · loan HK$26.11M · min. income ≈ HK$253,128/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,233,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,493
−HK$7,158/mo
▼ 0.25% · 3.875%
HK$136,047
−HK$3,604/mo
Today · 4.125%
HK$139,651
baseline
▲ 0.50% · 4.625%
HK$147,013
+HK$7,362/mo
Deposit HK$2.90M · loan HK$26.11M · min. income ≈ HK$279,302/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,233,191 · Scale 2, in force from 26 Feb 2026)