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$66,463
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$68,530
−HK$2,101/mo
Today · 4.125%
HK$70,631
baseline
▲ 0.50% · 4.625%
HK$74,928
+HK$4,297/mo
Deposit HK$14.57M · loan HK$14.57M · min. income ≈ HK$141,262/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,238,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,939
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$75,922
−HK$2,012/mo
Today · 4.125%
HK$77,934
baseline
▲ 0.50% · 4.625%
HK$82,042
+HK$4,108/mo
Deposit HK$14.57M · loan HK$14.57M · min. income ≈ HK$155,868/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,238,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,755
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$82,236
−HK$2,521/mo
Today · 4.125%
HK$84,757
baseline
▲ 0.50% · 4.625%
HK$89,914
+HK$5,157/mo
Deposit HK$11.66M · loan HK$17.49M · min. income ≈ HK$169,514/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,238,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,727
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$91,107
−HK$2,414/mo
Today · 4.125%
HK$93,521
baseline
▲ 0.50% · 4.625%
HK$98,450
+HK$4,929/mo
Deposit HK$11.66M · loan HK$17.49M · min. income ≈ HK$187,042/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,238,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,048
−HK$5,835/mo
▼ 0.25% · 3.875%
HK$95,942
−HK$2,941/mo
Today · 4.125%
HK$98,883
baseline
▲ 0.50% · 4.625%
HK$104,900
+HK$6,017/mo
Deposit HK$8.74M · loan HK$20.40M · min. income ≈ HK$197,766/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,515
−HK$5,593/mo
▼ 0.25% · 3.875%
HK$106,291
−HK$2,817/mo
Today · 4.125%
HK$109,108
baseline
▲ 0.50% · 4.625%
HK$114,859
+HK$5,751/mo
Deposit HK$8.74M · loan HK$20.40M · min. income ≈ HK$218,216/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,633
−HK$7,502/mo
▼ 0.25% · 3.875%
HK$123,354
−HK$3,781/mo
Today · 4.125%
HK$127,135
baseline
▲ 0.50% · 4.625%
HK$134,871
+HK$7,736/mo
Deposit HK$2.91M · loan HK$26.23M · min. income ≈ HK$254,270/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,091
−HK$7,190/mo
▼ 0.25% · 3.875%
HK$136,660
−HK$3,621/mo
Today · 4.125%
HK$140,281
baseline
▲ 0.50% · 4.625%
HK$147,676
+HK$7,395/mo
Deposit HK$2.91M · loan HK$26.23M · min. income ≈ HK$280,562/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,752 · Scale 2, in force from 26 Feb 2026)