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$66,448
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$68,515
−HK$2,100/mo
Today · 4.125%
HK$70,615
baseline
▲ 0.50% · 4.625%
HK$74,911
+HK$4,296/mo
Deposit HK$14.57M · loan HK$14.57M · min. income ≈ HK$141,230/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,238,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,923
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$75,905
−HK$2,011/mo
Today · 4.125%
HK$77,916
baseline
▲ 0.50% · 4.625%
HK$82,023
+HK$4,107/mo
Deposit HK$14.57M · loan HK$14.57M · min. income ≈ HK$155,832/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,238,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,737
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$82,218
−HK$2,520/mo
Today · 4.125%
HK$84,738
baseline
▲ 0.50% · 4.625%
HK$89,894
+HK$5,156/mo
Deposit HK$11.66M · loan HK$17.48M · min. income ≈ HK$169,476/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,238,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,707
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$91,086
−HK$2,414/mo
Today · 4.125%
HK$93,500
baseline
▲ 0.50% · 4.625%
HK$98,428
+HK$4,928/mo
Deposit HK$11.66M · loan HK$17.48M · min. income ≈ HK$187,000/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,238,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,027
−HK$5,834/mo
▼ 0.25% · 3.875%
HK$95,921
−HK$2,940/mo
Today · 4.125%
HK$98,861
baseline
▲ 0.50% · 4.625%
HK$104,876
+HK$6,015/mo
Deposit HK$8.74M · loan HK$20.40M · min. income ≈ HK$197,722/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,492
−HK$5,591/mo
▼ 0.25% · 3.875%
HK$106,267
−HK$2,816/mo
Today · 4.125%
HK$109,083
baseline
▲ 0.50% · 4.625%
HK$114,833
+HK$5,750/mo
Deposit HK$8.74M · loan HK$20.40M · min. income ≈ HK$218,166/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,606
−HK$7,501/mo
▼ 0.25% · 3.875%
HK$123,327
−HK$3,780/mo
Today · 4.125%
HK$127,107
baseline
▲ 0.50% · 4.625%
HK$134,841
+HK$7,734/mo
Deposit HK$2.91M · loan HK$26.23M · min. income ≈ HK$254,214/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,061
−HK$7,188/mo
▼ 0.25% · 3.875%
HK$136,629
−HK$3,620/mo
Today · 4.125%
HK$140,249
baseline
▲ 0.50% · 4.625%
HK$147,642
+HK$7,393/mo
Deposit HK$2.91M · loan HK$26.23M · min. income ≈ HK$280,498/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,473 · Scale 2, in force from 26 Feb 2026)