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$66,436
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$68,503
−HK$2,100/mo
Today · 4.125%
HK$70,603
baseline
▲ 0.50% · 4.625%
HK$74,899
+HK$4,296/mo
Deposit HK$14.57M · loan HK$14.57M · min. income ≈ HK$141,206/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,238,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,910
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$75,892
−HK$2,011/mo
Today · 4.125%
HK$77,903
baseline
▲ 0.50% · 4.625%
HK$82,009
+HK$4,106/mo
Deposit HK$14.57M · loan HK$14.57M · min. income ≈ HK$155,806/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,238,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,724
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$82,204
−HK$2,519/mo
Today · 4.125%
HK$84,723
baseline
▲ 0.50% · 4.625%
HK$89,878
+HK$5,155/mo
Deposit HK$11.65M · loan HK$17.48M · min. income ≈ HK$169,446/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,238,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,692
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$91,071
−HK$2,413/mo
Today · 4.125%
HK$93,484
baseline
▲ 0.50% · 4.625%
HK$98,411
+HK$4,927/mo
Deposit HK$11.65M · loan HK$17.48M · min. income ≈ HK$186,968/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,238,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,011
−HK$5,833/mo
▼ 0.25% · 3.875%
HK$95,904
−HK$2,940/mo
Today · 4.125%
HK$98,844
baseline
▲ 0.50% · 4.625%
HK$104,858
+HK$6,014/mo
Deposit HK$8.74M · loan HK$20.39M · min. income ≈ HK$197,688/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,474
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$106,249
−HK$2,815/mo
Today · 4.125%
HK$109,064
baseline
▲ 0.50% · 4.625%
HK$114,813
+HK$5,749/mo
Deposit HK$8.74M · loan HK$20.39M · min. income ≈ HK$218,128/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,586
−HK$7,499/mo
▼ 0.25% · 3.875%
HK$123,305
−HK$3,780/mo
Today · 4.125%
HK$127,085
baseline
▲ 0.50% · 4.625%
HK$134,817
+HK$7,732/mo
Deposit HK$2.91M · loan HK$26.22M · min. income ≈ HK$254,170/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,038
−HK$7,187/mo
▼ 0.25% · 3.875%
HK$136,606
−HK$3,619/mo
Today · 4.125%
HK$140,225
baseline
▲ 0.50% · 4.625%
HK$147,617
+HK$7,392/mo
Deposit HK$2.91M · loan HK$26.22M · min. income ≈ HK$280,450/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,260 · Scale 2, in force from 26 Feb 2026)