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$66,472
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$68,540
−HK$2,100/mo
Today · 4.125%
HK$70,640
baseline
▲ 0.50% · 4.625%
HK$74,939
+HK$4,299/mo
Deposit HK$14.58M · loan HK$14.58M · min. income ≈ HK$141,280/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,238,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,949
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$75,933
−HK$2,012/mo
Today · 4.125%
HK$77,945
baseline
▲ 0.50% · 4.625%
HK$82,053
+HK$4,108/mo
Deposit HK$14.58M · loan HK$14.58M · min. income ≈ HK$155,890/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,238,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,766
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$82,248
−HK$2,520/mo
Today · 4.125%
HK$84,768
baseline
▲ 0.50% · 4.625%
HK$89,926
+HK$5,158/mo
Deposit HK$11.66M · loan HK$17.49M · min. income ≈ HK$169,536/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,238,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,739
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$91,119
−HK$2,415/mo
Today · 4.125%
HK$93,534
baseline
▲ 0.50% · 4.625%
HK$98,464
+HK$4,930/mo
Deposit HK$11.66M · loan HK$17.49M · min. income ≈ HK$187,068/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,238,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,061
−HK$5,835/mo
▼ 0.25% · 3.875%
HK$95,955
−HK$2,941/mo
Today · 4.125%
HK$98,896
baseline
▲ 0.50% · 4.625%
HK$104,914
+HK$6,018/mo
Deposit HK$8.75M · loan HK$20.41M · min. income ≈ HK$197,792/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,529
−HK$5,593/mo
▼ 0.25% · 3.875%
HK$106,306
−HK$2,816/mo
Today · 4.125%
HK$109,122
baseline
▲ 0.50% · 4.625%
HK$114,874
+HK$5,752/mo
Deposit HK$8.75M · loan HK$20.41M · min. income ≈ HK$218,244/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,649
−HK$7,504/mo
▼ 0.25% · 3.875%
HK$123,371
−HK$3,782/mo
Today · 4.125%
HK$127,153
baseline
▲ 0.50% · 4.625%
HK$134,889
+HK$7,736/mo
Deposit HK$2.92M · loan HK$26.24M · min. income ≈ HK$254,306/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,109
−HK$7,191/mo
▼ 0.25% · 3.875%
HK$136,679
−HK$3,621/mo
Today · 4.125%
HK$140,300
baseline
▲ 0.50% · 4.625%
HK$147,696
+HK$7,396/mo
Deposit HK$2.92M · loan HK$26.24M · min. income ≈ HK$280,600/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,921 · Scale 2, in force from 26 Feb 2026)