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$66,033
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$68,087
−HK$2,086/mo
Today · 4.125%
HK$70,173
baseline
▲ 0.50% · 4.625%
HK$74,443
+HK$4,270/mo
Deposit HK$14.48M · loan HK$14.48M · min. income ≈ HK$140,346/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,230,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,461
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$75,431
−HK$1,998/mo
Today · 4.125%
HK$77,429
baseline
▲ 0.50% · 4.625%
HK$81,511
+HK$4,082/mo
Deposit HK$14.48M · loan HK$14.48M · min. income ≈ HK$154,858/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,230,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,239
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$81,704
−HK$2,504/mo
Today · 4.125%
HK$84,208
baseline
▲ 0.50% · 4.625%
HK$89,332
+HK$5,124/mo
Deposit HK$11.58M · loan HK$17.38M · min. income ≈ HK$168,416/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,230,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,153
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$90,517
−HK$2,398/mo
Today · 4.125%
HK$92,915
baseline
▲ 0.50% · 4.625%
HK$97,813
+HK$4,898/mo
Deposit HK$11.58M · loan HK$17.38M · min. income ≈ HK$185,830/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,230,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,446
−HK$5,797/mo
▼ 0.25% · 3.875%
HK$95,321
−HK$2,922/mo
Today · 4.125%
HK$98,243
baseline
▲ 0.50% · 4.625%
HK$104,221
+HK$5,978/mo
Deposit HK$8.69M · loan HK$20.27M · min. income ≈ HK$196,486/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,230,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,845
−HK$5,556/mo
▼ 0.25% · 3.875%
HK$105,603
−HK$2,798/mo
Today · 4.125%
HK$108,401
baseline
▲ 0.50% · 4.625%
HK$114,115
+HK$5,714/mo
Deposit HK$8.69M · loan HK$20.27M · min. income ≈ HK$216,802/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,230,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,859
−HK$7,453/mo
▼ 0.25% · 3.875%
HK$122,556
−HK$3,756/mo
Today · 4.125%
HK$126,312
baseline
▲ 0.50% · 4.625%
HK$133,998
+HK$7,686/mo
Deposit HK$2.90M · loan HK$26.06M · min. income ≈ HK$252,624/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,230,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,229
−HK$7,144/mo
▼ 0.25% · 3.875%
HK$135,775
−HK$3,598/mo
Today · 4.125%
HK$139,373
baseline
▲ 0.50% · 4.625%
HK$146,720
+HK$7,347/mo
Deposit HK$2.90M · loan HK$26.06M · min. income ≈ HK$278,746/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,230,733 · Scale 2, in force from 26 Feb 2026)