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$66,016
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$68,069
−HK$2,087/mo
Today · 4.125%
HK$70,156
baseline
▲ 0.50% · 4.625%
HK$74,424
+HK$4,268/mo
Deposit HK$14.48M · loan HK$14.48M · min. income ≈ HK$140,312/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,230,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,442
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$75,412
−HK$1,998/mo
Today · 4.125%
HK$77,410
baseline
▲ 0.50% · 4.625%
HK$81,490
+HK$4,080/mo
Deposit HK$14.48M · loan HK$14.48M · min. income ≈ HK$154,820/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,230,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,219
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$81,683
−HK$2,504/mo
Today · 4.125%
HK$84,187
baseline
▲ 0.50% · 4.625%
HK$89,309
+HK$5,122/mo
Deposit HK$11.58M · loan HK$17.37M · min. income ≈ HK$168,374/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,230,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,130
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$90,494
−HK$2,398/mo
Today · 4.125%
HK$92,892
baseline
▲ 0.50% · 4.625%
HK$97,788
+HK$4,896/mo
Deposit HK$11.58M · loan HK$17.37M · min. income ≈ HK$185,784/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,230,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,422
−HK$5,796/mo
▼ 0.25% · 3.875%
HK$95,297
−HK$2,921/mo
Today · 4.125%
HK$98,218
baseline
▲ 0.50% · 4.625%
HK$104,194
+HK$5,976/mo
Deposit HK$8.69M · loan HK$20.27M · min. income ≈ HK$196,436/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,230,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,819
−HK$5,555/mo
▼ 0.25% · 3.875%
HK$105,576
−HK$2,798/mo
Today · 4.125%
HK$108,374
baseline
▲ 0.50% · 4.625%
HK$114,086
+HK$5,712/mo
Deposit HK$8.69M · loan HK$20.27M · min. income ≈ HK$216,748/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,230,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,828
−HK$7,452/mo
▼ 0.25% · 3.875%
HK$122,525
−HK$3,755/mo
Today · 4.125%
HK$126,280
baseline
▲ 0.50% · 4.625%
HK$133,964
+HK$7,684/mo
Deposit HK$2.90M · loan HK$26.06M · min. income ≈ HK$252,560/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,230,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,195
−HK$7,142/mo
▼ 0.25% · 3.875%
HK$135,741
−HK$3,596/mo
Today · 4.125%
HK$139,337
baseline
▲ 0.50% · 4.625%
HK$146,682
+HK$7,345/mo
Deposit HK$2.90M · loan HK$26.06M · min. income ≈ HK$278,674/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,230,419 · Scale 2, in force from 26 Feb 2026)