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$66,363
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$68,427
−HK$2,097/mo
Today · 4.125%
HK$70,524
baseline
▲ 0.50% · 4.625%
HK$74,815
+HK$4,291/mo
Deposit HK$14.55M · loan HK$14.55M · min. income ≈ HK$141,048/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,236,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,828
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$75,808
−HK$2,008/mo
Today · 4.125%
HK$77,816
baseline
▲ 0.50% · 4.625%
HK$81,918
+HK$4,102/mo
Deposit HK$14.55M · loan HK$14.55M · min. income ≈ HK$155,632/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,236,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,635
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$82,112
−HK$2,517/mo
Today · 4.125%
HK$84,629
baseline
▲ 0.50% · 4.625%
HK$89,778
+HK$5,149/mo
Deposit HK$11.64M · loan HK$17.46M · min. income ≈ HK$169,258/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,236,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,593
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$90,969
−HK$2,411/mo
Today · 4.125%
HK$93,380
baseline
▲ 0.50% · 4.625%
HK$98,302
+HK$4,922/mo
Deposit HK$11.64M · loan HK$17.46M · min. income ≈ HK$186,760/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,236,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,908
−HK$5,826/mo
▼ 0.25% · 3.875%
HK$95,798
−HK$2,936/mo
Today · 4.125%
HK$98,734
baseline
▲ 0.50% · 4.625%
HK$104,742
+HK$6,008/mo
Deposit HK$8.73M · loan HK$20.37M · min. income ≈ HK$197,468/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,236,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,359
−HK$5,584/mo
▼ 0.25% · 3.875%
HK$106,131
−HK$2,812/mo
Today · 4.125%
HK$108,943
baseline
▲ 0.50% · 4.625%
HK$114,686
+HK$5,743/mo
Deposit HK$8.73M · loan HK$20.37M · min. income ≈ HK$217,886/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,236,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,453
−HK$7,491/mo
▼ 0.25% · 3.875%
HK$123,168
−HK$3,776/mo
Today · 4.125%
HK$126,944
baseline
▲ 0.50% · 4.625%
HK$134,668
+HK$7,724/mo
Deposit HK$2.91M · loan HK$26.19M · min. income ≈ HK$253,888/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,236,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,890
−HK$7,180/mo
▼ 0.25% · 3.875%
HK$136,454
−HK$3,616/mo
Today · 4.125%
HK$140,070
baseline
▲ 0.50% · 4.625%
HK$147,453
+HK$7,383/mo
Deposit HK$2.91M · loan HK$26.19M · min. income ≈ HK$280,140/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,236,885 · Scale 2, in force from 26 Feb 2026)