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$66,364
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$68,428
−HK$2,097/mo
Today · 4.125%
HK$70,525
baseline
▲ 0.50% · 4.625%
HK$74,816
+HK$4,291/mo
Deposit HK$14.55M · loan HK$14.55M · min. income ≈ HK$141,050/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,236,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,829
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$75,809
−HK$2,009/mo
Today · 4.125%
HK$77,818
baseline
▲ 0.50% · 4.625%
HK$81,919
+HK$4,101/mo
Deposit HK$14.55M · loan HK$14.55M · min. income ≈ HK$155,636/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,236,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,636
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$82,113
−HK$2,517/mo
Today · 4.125%
HK$84,630
baseline
▲ 0.50% · 4.625%
HK$89,780
+HK$5,150/mo
Deposit HK$11.64M · loan HK$17.46M · min. income ≈ HK$169,260/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,236,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,595
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$90,971
−HK$2,410/mo
Today · 4.125%
HK$93,381
baseline
▲ 0.50% · 4.625%
HK$98,303
+HK$4,922/mo
Deposit HK$11.64M · loan HK$17.46M · min. income ≈ HK$186,762/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,236,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,909
−HK$5,826/mo
▼ 0.25% · 3.875%
HK$95,799
−HK$2,936/mo
Today · 4.125%
HK$98,735
baseline
▲ 0.50% · 4.625%
HK$104,743
+HK$6,008/mo
Deposit HK$8.73M · loan HK$20.37M · min. income ≈ HK$197,470/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,236,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,360
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$106,132
−HK$2,813/mo
Today · 4.125%
HK$108,945
baseline
▲ 0.50% · 4.625%
HK$114,687
+HK$5,742/mo
Deposit HK$8.73M · loan HK$20.37M · min. income ≈ HK$217,890/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,236,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,455
−HK$7,490/mo
▼ 0.25% · 3.875%
HK$123,170
−HK$3,775/mo
Today · 4.125%
HK$126,945
baseline
▲ 0.50% · 4.625%
HK$134,670
+HK$7,725/mo
Deposit HK$2.91M · loan HK$26.19M · min. income ≈ HK$253,890/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,236,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,892
−HK$7,180/mo
▼ 0.25% · 3.875%
HK$136,456
−HK$3,616/mo
Today · 4.125%
HK$140,072
baseline
▲ 0.50% · 4.625%
HK$147,455
+HK$7,383/mo
Deposit HK$2.91M · loan HK$26.19M · min. income ≈ HK$280,144/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,236,903 · Scale 2, in force from 26 Feb 2026)