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$65,863
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$67,911
−HK$2,082/mo
Today · 4.125%
HK$69,993
baseline
▲ 0.50% · 4.625%
HK$74,252
+HK$4,259/mo
Deposit HK$14.44M · loan HK$14.44M · min. income ≈ HK$139,986/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,227,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,271
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$75,237
−HK$1,993/mo
Today · 4.125%
HK$77,230
baseline
▲ 0.50% · 4.625%
HK$81,301
+HK$4,071/mo
Deposit HK$14.44M · loan HK$14.44M · min. income ≈ HK$154,460/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,227,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,035
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$81,494
−HK$2,497/mo
Today · 4.125%
HK$83,991
baseline
▲ 0.50% · 4.625%
HK$89,102
+HK$5,111/mo
Deposit HK$11.55M · loan HK$17.33M · min. income ≈ HK$167,982/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,227,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,926
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$90,284
−HK$2,392/mo
Today · 4.125%
HK$92,676
baseline
▲ 0.50% · 4.625%
HK$97,561
+HK$4,885/mo
Deposit HK$11.55M · loan HK$17.33M · min. income ≈ HK$185,352/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,227,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,208
−HK$5,782/mo
▼ 0.25% · 3.875%
HK$95,076
−HK$2,914/mo
Today · 4.125%
HK$97,990
baseline
▲ 0.50% · 4.625%
HK$103,952
+HK$5,962/mo
Deposit HK$8.67M · loan HK$20.22M · min. income ≈ HK$195,980/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$1,227,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,580
−HK$5,542/mo
▼ 0.25% · 3.875%
HK$105,331
−HK$2,791/mo
Today · 4.125%
HK$108,122
baseline
▲ 0.50% · 4.625%
HK$113,821
+HK$5,699/mo
Deposit HK$8.67M · loan HK$20.22M · min. income ≈ HK$216,244/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$1,227,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,553
−HK$7,434/mo
▼ 0.25% · 3.875%
HK$122,240
−HK$3,747/mo
Today · 4.125%
HK$125,987
baseline
▲ 0.50% · 4.625%
HK$133,653
+HK$7,666/mo
Deposit HK$2.89M · loan HK$26.00M · min. income ≈ HK$251,974/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,227,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,889
−HK$7,125/mo
▼ 0.25% · 3.875%
HK$135,426
−HK$3,588/mo
Today · 4.125%
HK$139,014
baseline
▲ 0.50% · 4.625%
HK$146,342
+HK$7,328/mo
Deposit HK$2.89M · loan HK$26.00M · min. income ≈ HK$278,028/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,227,564 · Scale 2, in force from 26 Feb 2026)