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$66,442
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$68,509
−HK$2,100/mo
Today · 4.125%
HK$70,609
baseline
▲ 0.50% · 4.625%
HK$74,905
+HK$4,296/mo
Deposit HK$14.57M · loan HK$14.57M · min. income ≈ HK$141,218/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,238,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,916
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$75,898
−HK$2,012/mo
Today · 4.125%
HK$77,910
baseline
▲ 0.50% · 4.625%
HK$82,016
+HK$4,106/mo
Deposit HK$14.57M · loan HK$14.57M · min. income ≈ HK$155,820/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,238,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,730
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$82,210
−HK$2,520/mo
Today · 4.125%
HK$84,730
baseline
▲ 0.50% · 4.625%
HK$89,886
+HK$5,156/mo
Deposit HK$11.66M · loan HK$17.48M · min. income ≈ HK$169,460/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,238,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,699
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$91,078
−HK$2,413/mo
Today · 4.125%
HK$93,491
baseline
▲ 0.50% · 4.625%
HK$98,420
+HK$4,929/mo
Deposit HK$11.66M · loan HK$17.48M · min. income ≈ HK$186,982/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,238,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,019
−HK$5,833/mo
▼ 0.25% · 3.875%
HK$95,912
−HK$2,940/mo
Today · 4.125%
HK$98,852
baseline
▲ 0.50% · 4.625%
HK$104,867
+HK$6,015/mo
Deposit HK$8.74M · loan HK$20.40M · min. income ≈ HK$197,704/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,483
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$106,258
−HK$2,815/mo
Today · 4.125%
HK$109,073
baseline
▲ 0.50% · 4.625%
HK$114,823
+HK$5,750/mo
Deposit HK$8.74M · loan HK$20.40M · min. income ≈ HK$218,146/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,596
−HK$7,499/mo
▼ 0.25% · 3.875%
HK$123,316
−HK$3,779/mo
Today · 4.125%
HK$127,095
baseline
▲ 0.50% · 4.625%
HK$134,829
+HK$7,734/mo
Deposit HK$2.91M · loan HK$26.22M · min. income ≈ HK$254,190/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,049
−HK$7,188/mo
▼ 0.25% · 3.875%
HK$136,617
−HK$3,620/mo
Today · 4.125%
HK$140,237
baseline
▲ 0.50% · 4.625%
HK$147,629
+HK$7,392/mo
Deposit HK$2.91M · loan HK$26.22M · min. income ≈ HK$280,474/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,364 · Scale 2, in force from 26 Feb 2026)