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$65,949
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$68,001
−HK$2,084/mo
Today · 4.125%
HK$70,085
baseline
▲ 0.50% · 4.625%
HK$74,349
+HK$4,264/mo
Deposit HK$14.46M · loan HK$14.46M · min. income ≈ HK$140,170/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,229,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,368
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,335
−HK$1,997/mo
Today · 4.125%
HK$77,332
baseline
▲ 0.50% · 4.625%
HK$81,408
+HK$4,076/mo
Deposit HK$14.46M · loan HK$14.46M · min. income ≈ HK$154,664/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,229,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,139
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$81,601
−HK$2,501/mo
Today · 4.125%
HK$84,102
baseline
▲ 0.50% · 4.625%
HK$89,219
+HK$5,117/mo
Deposit HK$11.57M · loan HK$17.35M · min. income ≈ HK$168,204/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,041
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$90,403
−HK$2,395/mo
Today · 4.125%
HK$92,798
baseline
▲ 0.50% · 4.625%
HK$97,689
+HK$4,891/mo
Deposit HK$11.57M · loan HK$17.35M · min. income ≈ HK$185,596/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,329
−HK$5,790/mo
▼ 0.25% · 3.875%
HK$95,201
−HK$2,918/mo
Today · 4.125%
HK$98,119
baseline
▲ 0.50% · 4.625%
HK$104,089
+HK$5,970/mo
Deposit HK$8.68M · loan HK$20.25M · min. income ≈ HK$196,238/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,715
−HK$5,549/mo
▼ 0.25% · 3.875%
HK$105,470
−HK$2,794/mo
Today · 4.125%
HK$108,264
baseline
▲ 0.50% · 4.625%
HK$113,971
+HK$5,707/mo
Deposit HK$8.68M · loan HK$20.25M · min. income ≈ HK$216,528/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,708
−HK$7,445/mo
▼ 0.25% · 3.875%
HK$122,401
−HK$3,752/mo
Today · 4.125%
HK$126,153
baseline
▲ 0.50% · 4.625%
HK$133,829
+HK$7,676/mo
Deposit HK$2.89M · loan HK$26.03M · min. income ≈ HK$252,306/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,062
−HK$7,135/mo
▼ 0.25% · 3.875%
HK$135,604
−HK$3,593/mo
Today · 4.125%
HK$139,197
baseline
▲ 0.50% · 4.625%
HK$146,534
+HK$7,337/mo
Deposit HK$2.89M · loan HK$26.03M · min. income ≈ HK$278,394/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,178 · Scale 2, in force from 26 Feb 2026)