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$66,434
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$68,500
−HK$2,100/mo
Today · 4.125%
HK$70,600
baseline
▲ 0.50% · 4.625%
HK$74,896
+HK$4,296/mo
Deposit HK$14.57M · loan HK$14.57M · min. income ≈ HK$141,200/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,238,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,907
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$75,889
−HK$2,011/mo
Today · 4.125%
HK$77,900
baseline
▲ 0.50% · 4.625%
HK$82,006
+HK$4,106/mo
Deposit HK$14.57M · loan HK$14.57M · min. income ≈ HK$155,800/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,238,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,721
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$82,200
−HK$2,520/mo
Today · 4.125%
HK$84,720
baseline
▲ 0.50% · 4.625%
HK$89,875
+HK$5,155/mo
Deposit HK$11.65M · loan HK$17.48M · min. income ≈ HK$169,440/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,238,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,688
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$91,067
−HK$2,413/mo
Today · 4.125%
HK$93,480
baseline
▲ 0.50% · 4.625%
HK$98,407
+HK$4,927/mo
Deposit HK$11.65M · loan HK$17.48M · min. income ≈ HK$186,960/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,238,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,007
−HK$5,833/mo
▼ 0.25% · 3.875%
HK$95,900
−HK$2,940/mo
Today · 4.125%
HK$98,840
baseline
▲ 0.50% · 4.625%
HK$104,854
+HK$6,014/mo
Deposit HK$8.74M · loan HK$20.39M · min. income ≈ HK$197,680/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,470
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$106,245
−HK$2,815/mo
Today · 4.125%
HK$109,060
baseline
▲ 0.50% · 4.625%
HK$114,809
+HK$5,749/mo
Deposit HK$8.74M · loan HK$20.39M · min. income ≈ HK$218,120/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,581
−HK$7,499/mo
▼ 0.25% · 3.875%
HK$123,301
−HK$3,779/mo
Today · 4.125%
HK$127,080
baseline
▲ 0.50% · 4.625%
HK$134,812
+HK$7,732/mo
Deposit HK$2.91M · loan HK$26.22M · min. income ≈ HK$254,160/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,033
−HK$7,187/mo
▼ 0.25% · 3.875%
HK$136,601
−HK$3,619/mo
Today · 4.125%
HK$140,220
baseline
▲ 0.50% · 4.625%
HK$147,611
+HK$7,391/mo
Deposit HK$2.91M · loan HK$26.22M · min. income ≈ HK$280,440/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,212 · Scale 2, in force from 26 Feb 2026)