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$66,373
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$68,438
−HK$2,097/mo
Today · 4.125%
HK$70,535
baseline
▲ 0.50% · 4.625%
HK$74,827
+HK$4,292/mo
Deposit HK$14.55M · loan HK$14.55M · min. income ≈ HK$141,070/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,237,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,839
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$75,820
−HK$2,009/mo
Today · 4.125%
HK$77,829
baseline
▲ 0.50% · 4.625%
HK$81,931
+HK$4,102/mo
Deposit HK$14.55M · loan HK$14.55M · min. income ≈ HK$155,658/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,237,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,648
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$82,125
−HK$2,517/mo
Today · 4.125%
HK$84,642
baseline
▲ 0.50% · 4.625%
HK$89,793
+HK$5,151/mo
Deposit HK$11.64M · loan HK$17.46M · min. income ≈ HK$169,284/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,237,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,607
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$90,984
−HK$2,410/mo
Today · 4.125%
HK$93,394
baseline
▲ 0.50% · 4.625%
HK$98,317
+HK$4,923/mo
Deposit HK$11.64M · loan HK$17.46M · min. income ≈ HK$186,788/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,237,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,922
−HK$5,827/mo
▼ 0.25% · 3.875%
HK$95,813
−HK$2,936/mo
Today · 4.125%
HK$98,749
baseline
▲ 0.50% · 4.625%
HK$104,758
+HK$6,009/mo
Deposit HK$8.73M · loan HK$20.38M · min. income ≈ HK$197,498/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,237,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,375
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$106,148
−HK$2,812/mo
Today · 4.125%
HK$108,960
baseline
▲ 0.50% · 4.625%
HK$114,704
+HK$5,744/mo
Deposit HK$8.73M · loan HK$20.38M · min. income ≈ HK$217,920/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,237,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,472
−HK$7,492/mo
▼ 0.25% · 3.875%
HK$123,188
−HK$3,776/mo
Today · 4.125%
HK$126,964
baseline
▲ 0.50% · 4.625%
HK$134,689
+HK$7,725/mo
Deposit HK$2.91M · loan HK$26.20M · min. income ≈ HK$253,928/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,911
−HK$7,181/mo
▼ 0.25% · 3.875%
HK$136,476
−HK$3,616/mo
Today · 4.125%
HK$140,092
baseline
▲ 0.50% · 4.625%
HK$147,476
+HK$7,384/mo
Deposit HK$2.91M · loan HK$26.20M · min. income ≈ HK$280,184/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,079 · Scale 2, in force from 26 Feb 2026)