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$66,260
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$68,321
−HK$2,094/mo
Today · 4.125%
HK$70,415
baseline
▲ 0.50% · 4.625%
HK$74,699
+HK$4,284/mo
Deposit HK$14.53M · loan HK$14.53M · min. income ≈ HK$140,830/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,234,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,713
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$75,690
−HK$2,006/mo
Today · 4.125%
HK$77,696
baseline
▲ 0.50% · 4.625%
HK$81,791
+HK$4,095/mo
Deposit HK$14.53M · loan HK$14.53M · min. income ≈ HK$155,392/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,234,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,511
−HK$4,986/mo
▼ 0.25% · 3.875%
HK$81,985
−HK$2,512/mo
Today · 4.125%
HK$84,497
baseline
▲ 0.50% · 4.625%
HK$89,639
+HK$5,142/mo
Deposit HK$11.62M · loan HK$17.43M · min. income ≈ HK$168,994/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,234,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,456
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$90,828
−HK$2,407/mo
Today · 4.125%
HK$93,235
baseline
▲ 0.50% · 4.625%
HK$98,149
+HK$4,914/mo
Deposit HK$11.62M · loan HK$17.43M · min. income ≈ HK$186,470/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,234,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,763
−HK$5,817/mo
▼ 0.25% · 3.875%
HK$95,649
−HK$2,931/mo
Today · 4.125%
HK$98,580
baseline
▲ 0.50% · 4.625%
HK$104,579
+HK$5,999/mo
Deposit HK$8.72M · loan HK$20.34M · min. income ≈ HK$197,160/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,234,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,198
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$105,966
−HK$2,808/mo
Today · 4.125%
HK$108,774
baseline
▲ 0.50% · 4.625%
HK$114,507
+HK$5,733/mo
Deposit HK$8.72M · loan HK$20.34M · min. income ≈ HK$217,548/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,234,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,267
−HK$7,479/mo
▼ 0.25% · 3.875%
HK$122,977
−HK$3,769/mo
Today · 4.125%
HK$126,746
baseline
▲ 0.50% · 4.625%
HK$134,458
+HK$7,712/mo
Deposit HK$2.91M · loan HK$26.15M · min. income ≈ HK$253,492/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,234,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,683
−HK$7,169/mo
▼ 0.25% · 3.875%
HK$136,242
−HK$3,610/mo
Today · 4.125%
HK$139,852
baseline
▲ 0.50% · 4.625%
HK$147,224
+HK$7,372/mo
Deposit HK$2.91M · loan HK$26.15M · min. income ≈ HK$279,704/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,234,962 · Scale 2, in force from 26 Feb 2026)