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$66,479
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$68,547
−HK$2,101/mo
Today · 4.125%
HK$70,648
baseline
▲ 0.50% · 4.625%
HK$74,946
+HK$4,298/mo
Deposit HK$14.58M · loan HK$14.58M · min. income ≈ HK$141,296/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,239,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,957
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$75,941
−HK$2,012/mo
Today · 4.125%
HK$77,953
baseline
▲ 0.50% · 4.625%
HK$82,062
+HK$4,109/mo
Deposit HK$14.58M · loan HK$14.58M · min. income ≈ HK$155,906/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,239,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,775
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$82,256
−HK$2,521/mo
Today · 4.125%
HK$84,777
baseline
▲ 0.50% · 4.625%
HK$89,936
+HK$5,159/mo
Deposit HK$11.66M · loan HK$17.49M · min. income ≈ HK$169,554/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,239,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,748
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$91,129
−HK$2,414/mo
Today · 4.125%
HK$93,543
baseline
▲ 0.50% · 4.625%
HK$98,474
+HK$4,931/mo
Deposit HK$11.66M · loan HK$17.49M · min. income ≈ HK$187,086/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,239,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,070
−HK$5,837/mo
▼ 0.25% · 3.875%
HK$95,965
−HK$2,942/mo
Today · 4.125%
HK$98,907
baseline
▲ 0.50% · 4.625%
HK$104,925
+HK$6,018/mo
Deposit HK$8.75M · loan HK$20.41M · min. income ≈ HK$197,814/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$1,239,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,540
−HK$5,594/mo
▼ 0.25% · 3.875%
HK$106,317
−HK$2,817/mo
Today · 4.125%
HK$109,134
baseline
▲ 0.50% · 4.625%
HK$114,886
+HK$5,752/mo
Deposit HK$8.75M · loan HK$20.41M · min. income ≈ HK$218,268/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$1,239,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,662
−HK$7,504/mo
▼ 0.25% · 3.875%
HK$123,384
−HK$3,782/mo
Today · 4.125%
HK$127,166
baseline
▲ 0.50% · 4.625%
HK$134,903
+HK$7,737/mo
Deposit HK$2.92M · loan HK$26.24M · min. income ≈ HK$254,332/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,239,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,123
−HK$7,192/mo
▼ 0.25% · 3.875%
HK$136,693
−HK$3,622/mo
Today · 4.125%
HK$140,315
baseline
▲ 0.50% · 4.625%
HK$147,711
+HK$7,396/mo
Deposit HK$2.92M · loan HK$26.24M · min. income ≈ HK$280,630/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,239,050 · Scale 2, in force from 26 Feb 2026)