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$66,473
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$68,541
−HK$2,100/mo
Today · 4.125%
HK$70,641
baseline
▲ 0.50% · 4.625%
HK$74,940
+HK$4,299/mo
Deposit HK$14.58M · loan HK$14.58M · min. income ≈ HK$141,282/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,238,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,951
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$75,934
−HK$2,012/mo
Today · 4.125%
HK$77,946
baseline
▲ 0.50% · 4.625%
HK$82,055
+HK$4,109/mo
Deposit HK$14.58M · loan HK$14.58M · min. income ≈ HK$155,892/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,238,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,768
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$82,249
−HK$2,521/mo
Today · 4.125%
HK$84,770
baseline
▲ 0.50% · 4.625%
HK$89,928
+HK$5,158/mo
Deposit HK$11.66M · loan HK$17.49M · min. income ≈ HK$169,540/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,238,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,741
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$91,121
−HK$2,414/mo
Today · 4.125%
HK$93,535
baseline
▲ 0.50% · 4.625%
HK$98,465
+HK$4,930/mo
Deposit HK$11.66M · loan HK$17.49M · min. income ≈ HK$187,070/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,238,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,062
−HK$5,836/mo
▼ 0.25% · 3.875%
HK$95,957
−HK$2,941/mo
Today · 4.125%
HK$98,898
baseline
▲ 0.50% · 4.625%
HK$104,916
+HK$6,018/mo
Deposit HK$8.75M · loan HK$20.41M · min. income ≈ HK$197,796/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,531
−HK$5,593/mo
▼ 0.25% · 3.875%
HK$106,307
−HK$2,817/mo
Today · 4.125%
HK$109,124
baseline
▲ 0.50% · 4.625%
HK$114,876
+HK$5,752/mo
Deposit HK$8.75M · loan HK$20.41M · min. income ≈ HK$218,248/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,651
−HK$7,504/mo
▼ 0.25% · 3.875%
HK$123,373
−HK$3,782/mo
Today · 4.125%
HK$127,155
baseline
▲ 0.50% · 4.625%
HK$134,892
+HK$7,737/mo
Deposit HK$2.92M · loan HK$26.24M · min. income ≈ HK$254,310/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,111
−HK$7,192/mo
▼ 0.25% · 3.875%
HK$136,681
−HK$3,622/mo
Today · 4.125%
HK$140,303
baseline
▲ 0.50% · 4.625%
HK$147,698
+HK$7,395/mo
Deposit HK$2.92M · loan HK$26.24M · min. income ≈ HK$280,606/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,942 · Scale 2, in force from 26 Feb 2026)