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$4,149/mo
▼ 0.25% · 3.875%
HK$68,222
−HK$2,091/mo
Today · 4.125%
HK$70,313
baseline
▲ 0.50% · 4.625%
HK$74,592
+HK$4,279/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$140,626/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,233,186 · 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$81,673
+HK$4,089/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$1,233,186 · 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$1,233,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,328
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$90,697
−HK$2,404/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$1,233,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,630
−HK$5,809/mo
▼ 0.25% · 3.875%
HK$95,511
−HK$2,928/mo
Today · 4.125%
HK$98,439
baseline
▲ 0.50% · 4.625%
HK$104,428
+HK$5,989/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$1,233,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,050
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$105,814
−HK$2,803/mo
Today · 4.125%
HK$108,617
baseline
▲ 0.50% · 4.625%
HK$114,343
+HK$5,726/mo
Deposit HK$8.70M · loan HK$20.31M · min. income ≈ HK$217,234/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,096
−HK$7,468/mo
▼ 0.25% · 3.875%
HK$122,800
−HK$3,764/mo
Today · 4.125%
HK$126,564
baseline
▲ 0.50% · 4.625%
HK$134,265
+HK$7,701/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$1,233,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,493
−HK$7,158/mo
▼ 0.25% · 3.875%
HK$136,046
−HK$3,605/mo
Today · 4.125%
HK$139,651
baseline
▲ 0.50% · 4.625%
HK$147,012
+HK$7,361/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$1,233,186 · Scale 2, in force from 26 Feb 2026)