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$65,968
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$68,020
−HK$2,085/mo
Today · 4.125%
HK$70,105
baseline
▲ 0.50% · 4.625%
HK$74,370
+HK$4,265/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$140,210/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,229,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,389
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$75,357
−HK$1,997/mo
Today · 4.125%
HK$77,354
baseline
▲ 0.50% · 4.625%
HK$81,431
+HK$4,077/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$154,708/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,229,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,161
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$81,624
−HK$2,502/mo
Today · 4.125%
HK$84,126
baseline
▲ 0.50% · 4.625%
HK$89,244
+HK$5,118/mo
Deposit HK$11.57M · loan HK$17.36M · min. income ≈ HK$168,252/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,066
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$90,428
−HK$2,396/mo
Today · 4.125%
HK$92,824
baseline
▲ 0.50% · 4.625%
HK$97,717
+HK$4,893/mo
Deposit HK$11.57M · loan HK$17.36M · min. income ≈ HK$185,648/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,355
−HK$5,791/mo
▼ 0.25% · 3.875%
HK$95,228
−HK$2,918/mo
Today · 4.125%
HK$98,146
baseline
▲ 0.50% · 4.625%
HK$104,118
+HK$5,972/mo
Deposit HK$8.68M · loan HK$20.25M · min. income ≈ HK$196,292/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,744
−HK$5,551/mo
▼ 0.25% · 3.875%
HK$105,500
−HK$2,795/mo
Today · 4.125%
HK$108,295
baseline
▲ 0.50% · 4.625%
HK$114,003
+HK$5,708/mo
Deposit HK$8.68M · loan HK$20.25M · min. income ≈ HK$216,590/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,742
−HK$7,446/mo
▼ 0.25% · 3.875%
HK$122,436
−HK$3,752/mo
Today · 4.125%
HK$126,188
baseline
▲ 0.50% · 4.625%
HK$133,867
+HK$7,679/mo
Deposit HK$2.89M · loan HK$26.04M · min. income ≈ HK$252,376/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,099
−HK$7,137/mo
▼ 0.25% · 3.875%
HK$135,642
−HK$3,594/mo
Today · 4.125%
HK$139,236
baseline
▲ 0.50% · 4.625%
HK$146,576
+HK$7,340/mo
Deposit HK$2.89M · loan HK$26.04M · min. income ≈ HK$278,472/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,526 · Scale 2, in force from 26 Feb 2026)