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$66,090
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$68,145
−HK$2,089/mo
Today · 4.125%
HK$70,234
baseline
▲ 0.50% · 4.625%
HK$74,508
+HK$4,274/mo
Deposit HK$14.49M · loan HK$14.49M · min. income ≈ HK$140,468/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,231,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,524
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$75,496
−HK$2,000/mo
Today · 4.125%
HK$77,496
baseline
▲ 0.50% · 4.625%
HK$81,581
+HK$4,085/mo
Deposit HK$14.49M · loan HK$14.49M · min. income ≈ HK$154,992/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,231,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,307
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$81,774
−HK$2,507/mo
Today · 4.125%
HK$84,281
baseline
▲ 0.50% · 4.625%
HK$89,409
+HK$5,128/mo
Deposit HK$11.59M · loan HK$17.39M · min. income ≈ HK$168,562/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,231,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,229
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$90,595
−HK$2,401/mo
Today · 4.125%
HK$92,996
baseline
▲ 0.50% · 4.625%
HK$97,897
+HK$4,901/mo
Deposit HK$11.59M · loan HK$17.39M · min. income ≈ HK$185,992/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,231,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,525
−HK$5,803/mo
▼ 0.25% · 3.875%
HK$95,403
−HK$2,925/mo
Today · 4.125%
HK$98,328
baseline
▲ 0.50% · 4.625%
HK$104,311
+HK$5,983/mo
Deposit HK$8.70M · loan HK$20.29M · min. income ≈ HK$196,656/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,231,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,934
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$105,694
−HK$2,801/mo
Today · 4.125%
HK$108,495
baseline
▲ 0.50% · 4.625%
HK$114,214
+HK$5,719/mo
Deposit HK$8.70M · loan HK$20.29M · min. income ≈ HK$216,990/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,231,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,961
−HK$7,460/mo
▼ 0.25% · 3.875%
HK$122,662
−HK$3,759/mo
Today · 4.125%
HK$126,421
baseline
▲ 0.50% · 4.625%
HK$134,114
+HK$7,693/mo
Deposit HK$2.90M · loan HK$26.09M · min. income ≈ HK$252,842/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,231,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,343
−HK$7,150/mo
▼ 0.25% · 3.875%
HK$135,893
−HK$3,600/mo
Today · 4.125%
HK$139,493
baseline
▲ 0.50% · 4.625%
HK$146,846
+HK$7,353/mo
Deposit HK$2.90M · loan HK$26.09M · min. income ≈ HK$278,986/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,231,795 · Scale 2, in force from 26 Feb 2026)