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$66,456
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$68,523
−HK$2,101/mo
Today · 4.125%
HK$70,624
baseline
▲ 0.50% · 4.625%
HK$74,921
+HK$4,297/mo
Deposit HK$14.57M · loan HK$14.57M · min. income ≈ HK$141,248/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,238,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,932
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$75,915
−HK$2,011/mo
Today · 4.125%
HK$77,926
baseline
▲ 0.50% · 4.625%
HK$82,034
+HK$4,108/mo
Deposit HK$14.57M · loan HK$14.57M · min. income ≈ HK$155,852/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,238,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,748
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$82,228
−HK$2,520/mo
Today · 4.125%
HK$84,748
baseline
▲ 0.50% · 4.625%
HK$89,905
+HK$5,157/mo
Deposit HK$11.66M · loan HK$17.49M · min. income ≈ HK$169,496/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,238,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,718
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$91,098
−HK$2,414/mo
Today · 4.125%
HK$93,512
baseline
▲ 0.50% · 4.625%
HK$98,441
+HK$4,929/mo
Deposit HK$11.66M · loan HK$17.49M · min. income ≈ HK$187,024/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,238,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,039
−HK$5,834/mo
▼ 0.25% · 3.875%
HK$95,933
−HK$2,940/mo
Today · 4.125%
HK$98,873
baseline
▲ 0.50% · 4.625%
HK$104,889
+HK$6,016/mo
Deposit HK$8.74M · loan HK$20.40M · min. income ≈ HK$197,746/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,505
−HK$5,592/mo
▼ 0.25% · 3.875%
HK$106,281
−HK$2,816/mo
Today · 4.125%
HK$109,097
baseline
▲ 0.50% · 4.625%
HK$114,847
+HK$5,750/mo
Deposit HK$8.74M · loan HK$20.40M · min. income ≈ HK$218,194/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,621
−HK$7,502/mo
▼ 0.25% · 3.875%
HK$123,342
−HK$3,781/mo
Today · 4.125%
HK$127,123
baseline
▲ 0.50% · 4.625%
HK$134,858
+HK$7,735/mo
Deposit HK$2.91M · loan HK$26.23M · min. income ≈ HK$254,246/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,078
−HK$7,189/mo
▼ 0.25% · 3.875%
HK$136,647
−HK$3,620/mo
Today · 4.125%
HK$140,267
baseline
▲ 0.50% · 4.625%
HK$147,661
+HK$7,394/mo
Deposit HK$2.91M · loan HK$26.23M · min. income ≈ HK$280,534/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,630 · Scale 2, in force from 26 Feb 2026)