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$66,260
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$68,321
−HK$2,094/mo
Today · 4.125%
HK$70,415
baseline
▲ 0.50% · 4.625%
HK$74,700
+HK$4,285/mo
Deposit HK$14.53M · loan HK$14.53M · min. income ≈ HK$140,830/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,234,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,714
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$75,691
−HK$2,005/mo
Today · 4.125%
HK$77,696
baseline
▲ 0.50% · 4.625%
HK$81,792
+HK$4,096/mo
Deposit HK$14.53M · loan HK$14.53M · min. income ≈ HK$155,392/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,234,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,512
−HK$4,986/mo
▼ 0.25% · 3.875%
HK$81,986
−HK$2,512/mo
Today · 4.125%
HK$84,498
baseline
▲ 0.50% · 4.625%
HK$89,640
+HK$5,142/mo
Deposit HK$11.62M · loan HK$17.43M · min. income ≈ HK$168,996/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,234,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,457
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$90,829
−HK$2,407/mo
Today · 4.125%
HK$93,236
baseline
▲ 0.50% · 4.625%
HK$98,150
+HK$4,914/mo
Deposit HK$11.62M · loan HK$17.43M · min. income ≈ HK$186,472/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,234,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,764
−HK$5,817/mo
▼ 0.25% · 3.875%
HK$95,650
−HK$2,931/mo
Today · 4.125%
HK$98,581
baseline
▲ 0.50% · 4.625%
HK$104,580
+HK$5,999/mo
Deposit HK$8.72M · loan HK$20.34M · min. income ≈ HK$197,162/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,234,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,199
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$105,967
−HK$2,808/mo
Today · 4.125%
HK$108,775
baseline
▲ 0.50% · 4.625%
HK$114,509
+HK$5,734/mo
Deposit HK$8.72M · loan HK$20.34M · min. income ≈ HK$217,550/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,234,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,268
−HK$7,480/mo
▼ 0.25% · 3.875%
HK$122,978
−HK$3,770/mo
Today · 4.125%
HK$126,748
baseline
▲ 0.50% · 4.625%
HK$134,460
+HK$7,712/mo
Deposit HK$2.91M · loan HK$26.15M · min. income ≈ HK$253,496/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,234,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,685
−HK$7,168/mo
▼ 0.25% · 3.875%
HK$136,243
−HK$3,610/mo
Today · 4.125%
HK$139,853
baseline
▲ 0.50% · 4.625%
HK$147,225
+HK$7,372/mo
Deposit HK$2.91M · loan HK$26.15M · min. income ≈ HK$279,706/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,234,976 · Scale 2, in force from 26 Feb 2026)