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$66,368
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$68,432
−HK$2,098/mo
Today · 4.125%
HK$70,530
baseline
▲ 0.50% · 4.625%
HK$74,821
+HK$4,291/mo
Deposit HK$14.55M · loan HK$14.55M · min. income ≈ HK$141,060/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,236,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,833
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$75,814
−HK$2,008/mo
Today · 4.125%
HK$77,822
baseline
▲ 0.50% · 4.625%
HK$81,924
+HK$4,102/mo
Deposit HK$14.55M · loan HK$14.55M · min. income ≈ HK$155,644/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,236,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,641
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$82,118
−HK$2,517/mo
Today · 4.125%
HK$84,635
baseline
▲ 0.50% · 4.625%
HK$89,785
+HK$5,150/mo
Deposit HK$11.64M · loan HK$17.46M · min. income ≈ HK$169,270/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,236,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,600
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$90,976
−HK$2,411/mo
Today · 4.125%
HK$93,387
baseline
▲ 0.50% · 4.625%
HK$98,309
+HK$4,922/mo
Deposit HK$11.64M · loan HK$17.46M · min. income ≈ HK$186,774/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,236,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,915
−HK$5,826/mo
▼ 0.25% · 3.875%
HK$95,805
−HK$2,936/mo
Today · 4.125%
HK$98,741
baseline
▲ 0.50% · 4.625%
HK$104,749
+HK$6,008/mo
Deposit HK$8.73M · loan HK$20.37M · min. income ≈ HK$197,482/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,236,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,367
−HK$5,584/mo
▼ 0.25% · 3.875%
HK$106,139
−HK$2,812/mo
Today · 4.125%
HK$108,951
baseline
▲ 0.50% · 4.625%
HK$114,694
+HK$5,743/mo
Deposit HK$8.73M · loan HK$20.37M · min. income ≈ HK$217,902/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,236,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,462
−HK$7,491/mo
▼ 0.25% · 3.875%
HK$123,178
−HK$3,775/mo
Today · 4.125%
HK$126,953
baseline
▲ 0.50% · 4.625%
HK$134,678
+HK$7,725/mo
Deposit HK$2.91M · loan HK$26.19M · min. income ≈ HK$253,906/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,236,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,900
−HK$7,180/mo
▼ 0.25% · 3.875%
HK$136,464
−HK$3,616/mo
Today · 4.125%
HK$140,080
baseline
▲ 0.50% · 4.625%
HK$147,464
+HK$7,384/mo
Deposit HK$2.91M · loan HK$26.19M · min. income ≈ HK$280,160/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,236,978 · Scale 2, in force from 26 Feb 2026)