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$66,462
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$68,529
−HK$2,100/mo
Today · 4.125%
HK$70,629
baseline
▲ 0.50% · 4.625%
HK$74,927
+HK$4,298/mo
Deposit HK$14.57M · loan HK$14.57M · min. income ≈ HK$141,258/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,238,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,938
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$75,921
−HK$2,012/mo
Today · 4.125%
HK$77,933
baseline
▲ 0.50% · 4.625%
HK$82,040
+HK$4,107/mo
Deposit HK$14.57M · loan HK$14.57M · min. income ≈ HK$155,866/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,238,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,754
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$82,235
−HK$2,520/mo
Today · 4.125%
HK$84,755
baseline
▲ 0.50% · 4.625%
HK$89,912
+HK$5,157/mo
Deposit HK$11.66M · loan HK$17.49M · min. income ≈ HK$169,510/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,238,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,725
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$91,105
−HK$2,414/mo
Today · 4.125%
HK$93,519
baseline
▲ 0.50% · 4.625%
HK$98,449
+HK$4,930/mo
Deposit HK$11.66M · loan HK$17.49M · min. income ≈ HK$187,038/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,238,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,046
−HK$5,835/mo
▼ 0.25% · 3.875%
HK$95,941
−HK$2,940/mo
Today · 4.125%
HK$98,881
baseline
▲ 0.50% · 4.625%
HK$104,898
+HK$6,017/mo
Deposit HK$8.74M · loan HK$20.40M · min. income ≈ HK$197,762/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,513
−HK$5,593/mo
▼ 0.25% · 3.875%
HK$106,289
−HK$2,817/mo
Today · 4.125%
HK$109,106
baseline
▲ 0.50% · 4.625%
HK$114,857
+HK$5,751/mo
Deposit HK$8.74M · loan HK$20.40M · min. income ≈ HK$218,212/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,631
−HK$7,502/mo
▼ 0.25% · 3.875%
HK$123,352
−HK$3,781/mo
Today · 4.125%
HK$127,133
baseline
▲ 0.50% · 4.625%
HK$134,869
+HK$7,736/mo
Deposit HK$2.91M · loan HK$26.23M · min. income ≈ HK$254,266/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,088
−HK$7,191/mo
▼ 0.25% · 3.875%
HK$136,658
−HK$3,621/mo
Today · 4.125%
HK$140,279
baseline
▲ 0.50% · 4.625%
HK$147,673
+HK$7,394/mo
Deposit HK$2.91M · loan HK$26.23M · min. income ≈ HK$280,558/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,729 · Scale 2, in force from 26 Feb 2026)