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$66,459
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$68,527
−HK$2,100/mo
Today · 4.125%
HK$70,627
baseline
▲ 0.50% · 4.625%
HK$74,924
+HK$4,297/mo
Deposit HK$14.57M · loan HK$14.57M · min. income ≈ HK$141,254/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,238,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,935
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$75,918
−HK$2,012/mo
Today · 4.125%
HK$77,930
baseline
▲ 0.50% · 4.625%
HK$82,038
+HK$4,108/mo
Deposit HK$14.57M · loan HK$14.57M · min. income ≈ HK$155,860/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,238,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,751
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$82,232
−HK$2,520/mo
Today · 4.125%
HK$84,752
baseline
▲ 0.50% · 4.625%
HK$89,909
+HK$5,157/mo
Deposit HK$11.66M · loan HK$17.49M · min. income ≈ HK$169,504/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,238,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,722
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$91,102
−HK$2,414/mo
Today · 4.125%
HK$93,516
baseline
▲ 0.50% · 4.625%
HK$98,445
+HK$4,929/mo
Deposit HK$11.66M · loan HK$17.49M · min. income ≈ HK$187,032/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,238,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,043
−HK$5,835/mo
▼ 0.25% · 3.875%
HK$95,937
−HK$2,941/mo
Today · 4.125%
HK$98,878
baseline
▲ 0.50% · 4.625%
HK$104,894
+HK$6,016/mo
Deposit HK$8.74M · loan HK$20.40M · min. income ≈ HK$197,756/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,510
−HK$5,592/mo
▼ 0.25% · 3.875%
HK$106,286
−HK$2,816/mo
Today · 4.125%
HK$109,102
baseline
▲ 0.50% · 4.625%
HK$114,853
+HK$5,751/mo
Deposit HK$8.74M · loan HK$20.40M · min. income ≈ HK$218,204/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,627
−HK$7,502/mo
▼ 0.25% · 3.875%
HK$123,348
−HK$3,781/mo
Today · 4.125%
HK$127,129
baseline
▲ 0.50% · 4.625%
HK$134,864
+HK$7,735/mo
Deposit HK$2.91M · loan HK$26.23M · min. income ≈ HK$254,258/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,084
−HK$7,190/mo
▼ 0.25% · 3.875%
HK$136,653
−HK$3,621/mo
Today · 4.125%
HK$140,274
baseline
▲ 0.50% · 4.625%
HK$147,668
+HK$7,394/mo
Deposit HK$2.91M · loan HK$26.23M · min. income ≈ HK$280,548/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,687 · Scale 2, in force from 26 Feb 2026)