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$66,012
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$68,065
−HK$2,086/mo
Today · 4.125%
HK$70,151
baseline
▲ 0.50% · 4.625%
HK$74,420
+HK$4,269/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$140,302/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,230,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,437
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$75,407
−HK$1,998/mo
Today · 4.125%
HK$77,405
baseline
▲ 0.50% · 4.625%
HK$81,485
+HK$4,080/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$154,810/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,230,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,214
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$81,678
−HK$2,503/mo
Today · 4.125%
HK$84,181
baseline
▲ 0.50% · 4.625%
HK$89,303
+HK$5,122/mo
Deposit HK$11.58M · loan HK$17.37M · min. income ≈ HK$168,362/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,230,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,125
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$90,488
−HK$2,398/mo
Today · 4.125%
HK$92,886
baseline
▲ 0.50% · 4.625%
HK$97,782
+HK$4,896/mo
Deposit HK$11.58M · loan HK$17.37M · min. income ≈ HK$185,772/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,230,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,416
−HK$5,795/mo
▼ 0.25% · 3.875%
HK$95,291
−HK$2,920/mo
Today · 4.125%
HK$98,211
baseline
▲ 0.50% · 4.625%
HK$104,187
+HK$5,976/mo
Deposit HK$8.68M · loan HK$20.26M · min. income ≈ HK$196,422/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,230,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,812
−HK$5,555/mo
▼ 0.25% · 3.875%
HK$105,569
−HK$2,798/mo
Today · 4.125%
HK$108,367
baseline
▲ 0.50% · 4.625%
HK$114,079
+HK$5,712/mo
Deposit HK$8.68M · loan HK$20.26M · min. income ≈ HK$216,734/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,230,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,821
−HK$7,451/mo
▼ 0.25% · 3.875%
HK$122,517
−HK$3,755/mo
Today · 4.125%
HK$126,272
baseline
▲ 0.50% · 4.625%
HK$133,955
+HK$7,683/mo
Deposit HK$2.89M · loan HK$26.05M · min. income ≈ HK$252,544/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,230,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,187
−HK$7,141/mo
▼ 0.25% · 3.875%
HK$135,732
−HK$3,596/mo
Today · 4.125%
HK$139,328
baseline
▲ 0.50% · 4.625%
HK$146,673
+HK$7,345/mo
Deposit HK$2.89M · loan HK$26.05M · min. income ≈ HK$278,656/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,230,340 · Scale 2, in force from 26 Feb 2026)