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$66,445
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$68,512
−HK$2,100/mo
Today · 4.125%
HK$70,612
baseline
▲ 0.50% · 4.625%
HK$74,908
+HK$4,296/mo
Deposit HK$14.57M · loan HK$14.57M · min. income ≈ HK$141,224/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,238,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,919
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$75,902
−HK$2,011/mo
Today · 4.125%
HK$77,913
baseline
▲ 0.50% · 4.625%
HK$82,020
+HK$4,107/mo
Deposit HK$14.57M · loan HK$14.57M · min. income ≈ HK$155,826/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,238,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,734
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$82,214
−HK$2,520/mo
Today · 4.125%
HK$84,734
baseline
▲ 0.50% · 4.625%
HK$89,890
+HK$5,156/mo
Deposit HK$11.66M · loan HK$17.48M · min. income ≈ HK$169,468/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,238,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,703
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$91,082
−HK$2,413/mo
Today · 4.125%
HK$93,495
baseline
▲ 0.50% · 4.625%
HK$98,424
+HK$4,929/mo
Deposit HK$11.66M · loan HK$17.48M · min. income ≈ HK$186,990/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,238,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,023
−HK$5,833/mo
▼ 0.25% · 3.875%
HK$95,916
−HK$2,940/mo
Today · 4.125%
HK$98,856
baseline
▲ 0.50% · 4.625%
HK$104,871
+HK$6,015/mo
Deposit HK$8.74M · loan HK$20.40M · min. income ≈ HK$197,712/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,487
−HK$5,591/mo
▼ 0.25% · 3.875%
HK$106,262
−HK$2,816/mo
Today · 4.125%
HK$109,078
baseline
▲ 0.50% · 4.625%
HK$114,828
+HK$5,750/mo
Deposit HK$8.74M · loan HK$20.40M · min. income ≈ HK$218,156/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,601
−HK$7,500/mo
▼ 0.25% · 3.875%
HK$123,321
−HK$3,780/mo
Today · 4.125%
HK$127,101
baseline
▲ 0.50% · 4.625%
HK$134,835
+HK$7,734/mo
Deposit HK$2.91M · loan HK$26.23M · min. income ≈ HK$254,202/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,055
−HK$7,188/mo
▼ 0.25% · 3.875%
HK$136,623
−HK$3,620/mo
Today · 4.125%
HK$140,243
baseline
▲ 0.50% · 4.625%
HK$147,636
+HK$7,393/mo
Deposit HK$2.91M · loan HK$26.23M · min. income ≈ HK$280,486/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,417 · Scale 2, in force from 26 Feb 2026)