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$66,432
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$68,498
−HK$2,100/mo
Today · 4.125%
HK$70,598
baseline
▲ 0.50% · 4.625%
HK$74,893
+HK$4,295/mo
Deposit HK$14.57M · loan HK$14.57M · min. income ≈ HK$141,196/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,238,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,905
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$75,887
−HK$2,011/mo
Today · 4.125%
HK$77,898
baseline
▲ 0.50% · 4.625%
HK$82,004
+HK$4,106/mo
Deposit HK$14.57M · loan HK$14.57M · min. income ≈ HK$155,796/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,238,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,718
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$82,198
−HK$2,519/mo
Today · 4.125%
HK$84,717
baseline
▲ 0.50% · 4.625%
HK$89,872
+HK$5,155/mo
Deposit HK$11.65M · loan HK$17.48M · min. income ≈ HK$169,434/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,238,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,686
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$91,064
−HK$2,413/mo
Today · 4.125%
HK$93,477
baseline
▲ 0.50% · 4.625%
HK$98,405
+HK$4,928/mo
Deposit HK$11.65M · loan HK$17.48M · min. income ≈ HK$186,954/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,238,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,005
−HK$5,832/mo
▼ 0.25% · 3.875%
HK$95,898
−HK$2,939/mo
Today · 4.125%
HK$98,837
baseline
▲ 0.50% · 4.625%
HK$104,851
+HK$6,014/mo
Deposit HK$8.74M · loan HK$20.39M · min. income ≈ HK$197,674/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,467
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$106,242
−HK$2,815/mo
Today · 4.125%
HK$109,057
baseline
▲ 0.50% · 4.625%
HK$114,805
+HK$5,748/mo
Deposit HK$8.74M · loan HK$20.39M · min. income ≈ HK$218,114/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,577
−HK$7,499/mo
▼ 0.25% · 3.875%
HK$123,297
−HK$3,779/mo
Today · 4.125%
HK$127,076
baseline
▲ 0.50% · 4.625%
HK$134,808
+HK$7,732/mo
Deposit HK$2.91M · loan HK$26.22M · min. income ≈ HK$254,152/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,029
−HK$7,187/mo
▼ 0.25% · 3.875%
HK$136,596
−HK$3,620/mo
Today · 4.125%
HK$140,216
baseline
▲ 0.50% · 4.625%
HK$147,607
+HK$7,391/mo
Deposit HK$2.91M · loan HK$26.22M · min. income ≈ HK$280,432/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,175 · Scale 2, in force from 26 Feb 2026)