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$65,958
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$68,010
−HK$2,085/mo
Today · 4.125%
HK$70,095
baseline
▲ 0.50% · 4.625%
HK$74,360
+HK$4,265/mo
Deposit HK$14.46M · loan HK$14.46M · min. income ≈ HK$140,190/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,229,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,378
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,346
−HK$1,996/mo
Today · 4.125%
HK$77,342
baseline
▲ 0.50% · 4.625%
HK$81,419
+HK$4,077/mo
Deposit HK$14.46M · loan HK$14.46M · min. income ≈ HK$154,684/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,229,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,150
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$81,612
−HK$2,502/mo
Today · 4.125%
HK$84,114
baseline
▲ 0.50% · 4.625%
HK$89,232
+HK$5,118/mo
Deposit HK$11.57M · loan HK$17.36M · min. income ≈ HK$168,228/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,054
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$90,415
−HK$2,396/mo
Today · 4.125%
HK$92,811
baseline
▲ 0.50% · 4.625%
HK$97,703
+HK$4,892/mo
Deposit HK$11.57M · loan HK$17.36M · min. income ≈ HK$185,622/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,342
−HK$5,790/mo
▼ 0.25% · 3.875%
HK$95,214
−HK$2,918/mo
Today · 4.125%
HK$98,132
baseline
▲ 0.50% · 4.625%
HK$104,104
+HK$5,972/mo
Deposit HK$8.68M · loan HK$20.25M · min. income ≈ HK$196,264/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,729
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$105,484
−HK$2,795/mo
Today · 4.125%
HK$108,279
baseline
▲ 0.50% · 4.625%
HK$113,987
+HK$5,708/mo
Deposit HK$8.68M · loan HK$20.25M · min. income ≈ HK$216,558/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,725
−HK$7,445/mo
▼ 0.25% · 3.875%
HK$122,418
−HK$3,752/mo
Today · 4.125%
HK$126,170
baseline
▲ 0.50% · 4.625%
HK$133,847
+HK$7,677/mo
Deposit HK$2.89M · loan HK$26.03M · min. income ≈ HK$252,340/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,081
−HK$7,135/mo
▼ 0.25% · 3.875%
HK$135,623
−HK$3,593/mo
Today · 4.125%
HK$139,216
baseline
▲ 0.50% · 4.625%
HK$146,555
+HK$7,339/mo
Deposit HK$2.89M · loan HK$26.03M · min. income ≈ HK$278,432/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,351 · Scale 2, in force from 26 Feb 2026)