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$66,518
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$68,587
−HK$2,103/mo
Today · 4.125%
HK$70,690
baseline
▲ 0.50% · 4.625%
HK$74,991
+HK$4,301/mo
Deposit HK$14.59M · loan HK$14.59M · min. income ≈ HK$141,380/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,239,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,001
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$75,986
−HK$2,013/mo
Today · 4.125%
HK$77,999
baseline
▲ 0.50% · 4.625%
HK$82,110
+HK$4,111/mo
Deposit HK$14.59M · loan HK$14.59M · min. income ≈ HK$155,998/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,239,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,822
−HK$5,005/mo
▼ 0.25% · 3.875%
HK$82,305
−HK$2,522/mo
Today · 4.125%
HK$84,827
baseline
▲ 0.50% · 4.625%
HK$89,989
+HK$5,162/mo
Deposit HK$11.67M · loan HK$17.50M · min. income ≈ HK$169,654/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,239,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,801
−HK$4,798/mo
▼ 0.25% · 3.875%
HK$91,183
−HK$2,416/mo
Today · 4.125%
HK$93,599
baseline
▲ 0.50% · 4.625%
HK$98,532
+HK$4,933/mo
Deposit HK$11.67M · loan HK$17.50M · min. income ≈ HK$187,198/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,239,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,126
−HK$5,839/mo
▼ 0.25% · 3.875%
HK$96,022
−HK$2,943/mo
Today · 4.125%
HK$98,965
baseline
▲ 0.50% · 4.625%
HK$104,987
+HK$6,022/mo
Deposit HK$8.75M · loan HK$20.42M · min. income ≈ HK$197,930/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$1,239,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,601
−HK$5,598/mo
▼ 0.25% · 3.875%
HK$106,380
−HK$2,819/mo
Today · 4.125%
HK$109,199
baseline
▲ 0.50% · 4.625%
HK$114,955
+HK$5,756/mo
Deposit HK$8.75M · loan HK$20.42M · min. income ≈ HK$218,398/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$1,239,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,733
−HK$7,508/mo
▼ 0.25% · 3.875%
HK$123,457
−HK$3,784/mo
Today · 4.125%
HK$127,241
baseline
▲ 0.50% · 4.625%
HK$134,984
+HK$7,743/mo
Deposit HK$2.92M · loan HK$26.25M · min. income ≈ HK$254,482/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,239,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,202
−HK$7,196/mo
▼ 0.25% · 3.875%
HK$136,774
−HK$3,624/mo
Today · 4.125%
HK$140,398
baseline
▲ 0.50% · 4.625%
HK$147,799
+HK$7,401/mo
Deposit HK$2.92M · loan HK$26.25M · min. income ≈ HK$280,796/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,239,785 · Scale 2, in force from 26 Feb 2026)