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$66,425
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$68,491
−HK$2,099/mo
Today · 4.125%
HK$70,590
baseline
▲ 0.50% · 4.625%
HK$74,885
+HK$4,295/mo
Deposit HK$14.57M · loan HK$14.57M · min. income ≈ HK$141,180/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,238,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,897
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$75,879
−HK$2,010/mo
Today · 4.125%
HK$77,889
baseline
▲ 0.50% · 4.625%
HK$81,995
+HK$4,106/mo
Deposit HK$14.57M · loan HK$14.57M · min. income ≈ HK$155,778/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,238,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,710
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$82,189
−HK$2,519/mo
Today · 4.125%
HK$84,708
baseline
▲ 0.50% · 4.625%
HK$89,862
+HK$5,154/mo
Deposit HK$11.65M · loan HK$17.48M · min. income ≈ HK$169,416/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,238,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,676
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$91,054
−HK$2,413/mo
Today · 4.125%
HK$93,467
baseline
▲ 0.50% · 4.625%
HK$98,394
+HK$4,927/mo
Deposit HK$11.65M · loan HK$17.48M · min. income ≈ HK$186,934/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,238,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,995
−HK$5,831/mo
▼ 0.25% · 3.875%
HK$95,887
−HK$2,939/mo
Today · 4.125%
HK$98,826
baseline
▲ 0.50% · 4.625%
HK$104,839
+HK$6,013/mo
Deposit HK$8.74M · loan HK$20.39M · min. income ≈ HK$197,652/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,455
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$106,230
−HK$2,815/mo
Today · 4.125%
HK$109,045
baseline
▲ 0.50% · 4.625%
HK$114,793
+HK$5,748/mo
Deposit HK$8.74M · loan HK$20.39M · min. income ≈ HK$218,090/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,564
−HK$7,498/mo
▼ 0.25% · 3.875%
HK$123,284
−HK$3,778/mo
Today · 4.125%
HK$127,062
baseline
▲ 0.50% · 4.625%
HK$134,794
+HK$7,732/mo
Deposit HK$2.91M · loan HK$26.22M · min. income ≈ HK$254,124/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,014
−HK$7,187/mo
▼ 0.25% · 3.875%
HK$136,582
−HK$3,619/mo
Today · 4.125%
HK$140,201
baseline
▲ 0.50% · 4.625%
HK$147,591
+HK$7,390/mo
Deposit HK$2.91M · loan HK$26.22M · min. income ≈ HK$280,402/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,040 · Scale 2, in force from 26 Feb 2026)