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$66,474
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$68,541
−HK$2,101/mo
Today · 4.125%
HK$70,642
baseline
▲ 0.50% · 4.625%
HK$74,941
+HK$4,299/mo
Deposit HK$14.58M · loan HK$14.58M · min. income ≈ HK$141,284/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,238,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,951
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$75,935
−HK$2,012/mo
Today · 4.125%
HK$77,947
baseline
▲ 0.50% · 4.625%
HK$82,055
+HK$4,108/mo
Deposit HK$14.58M · loan HK$14.58M · min. income ≈ HK$155,894/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,238,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,769
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$82,250
−HK$2,521/mo
Today · 4.125%
HK$84,771
baseline
▲ 0.50% · 4.625%
HK$89,929
+HK$5,158/mo
Deposit HK$11.66M · loan HK$17.49M · min. income ≈ HK$169,542/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,238,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,742
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$91,122
−HK$2,414/mo
Today · 4.125%
HK$93,536
baseline
▲ 0.50% · 4.625%
HK$98,467
+HK$4,931/mo
Deposit HK$11.66M · loan HK$17.49M · min. income ≈ HK$187,072/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,238,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,063
−HK$5,836/mo
▼ 0.25% · 3.875%
HK$95,958
−HK$2,941/mo
Today · 4.125%
HK$98,899
baseline
▲ 0.50% · 4.625%
HK$104,917
+HK$6,018/mo
Deposit HK$8.75M · loan HK$20.41M · min. income ≈ HK$197,798/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,532
−HK$5,593/mo
▼ 0.25% · 3.875%
HK$106,309
−HK$2,816/mo
Today · 4.125%
HK$109,125
baseline
▲ 0.50% · 4.625%
HK$114,878
+HK$5,753/mo
Deposit HK$8.75M · loan HK$20.41M · min. income ≈ HK$218,250/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,653
−HK$7,503/mo
▼ 0.25% · 3.875%
HK$123,375
−HK$3,781/mo
Today · 4.125%
HK$127,156
baseline
▲ 0.50% · 4.625%
HK$134,893
+HK$7,737/mo
Deposit HK$2.92M · loan HK$26.24M · min. income ≈ HK$254,312/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,113
−HK$7,191/mo
▼ 0.25% · 3.875%
HK$136,683
−HK$3,621/mo
Today · 4.125%
HK$140,304
baseline
▲ 0.50% · 4.625%
HK$147,700
+HK$7,396/mo
Deposit HK$2.92M · loan HK$26.24M · min. income ≈ HK$280,608/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,956 · Scale 2, in force from 26 Feb 2026)