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$66,009
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$68,062
−HK$2,086/mo
Today · 4.125%
HK$70,148
baseline
▲ 0.50% · 4.625%
HK$74,417
+HK$4,269/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$140,296/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,230,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,434
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$75,404
−HK$1,998/mo
Today · 4.125%
HK$77,402
baseline
▲ 0.50% · 4.625%
HK$81,482
+HK$4,080/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$154,804/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,230,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,211
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$81,675
−HK$2,503/mo
Today · 4.125%
HK$84,178
baseline
▲ 0.50% · 4.625%
HK$89,300
+HK$5,122/mo
Deposit HK$11.58M · loan HK$17.37M · min. income ≈ HK$168,356/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,230,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,121
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$90,485
−HK$2,397/mo
Today · 4.125%
HK$92,882
baseline
▲ 0.50% · 4.625%
HK$97,778
+HK$4,896/mo
Deposit HK$11.58M · loan HK$17.37M · min. income ≈ HK$185,764/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,230,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,413
−HK$5,795/mo
▼ 0.25% · 3.875%
HK$95,287
−HK$2,921/mo
Today · 4.125%
HK$98,208
baseline
▲ 0.50% · 4.625%
HK$104,184
+HK$5,976/mo
Deposit HK$8.68M · loan HK$20.26M · min. income ≈ HK$196,416/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,230,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,808
−HK$5,555/mo
▼ 0.25% · 3.875%
HK$105,566
−HK$2,797/mo
Today · 4.125%
HK$108,363
baseline
▲ 0.50% · 4.625%
HK$114,075
+HK$5,712/mo
Deposit HK$8.68M · loan HK$20.26M · min. income ≈ HK$216,726/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,230,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,816
−HK$7,451/mo
▼ 0.25% · 3.875%
HK$122,512
−HK$3,755/mo
Today · 4.125%
HK$126,267
baseline
▲ 0.50% · 4.625%
HK$133,950
+HK$7,683/mo
Deposit HK$2.89M · loan HK$26.05M · min. income ≈ HK$252,534/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,230,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,182
−HK$7,141/mo
▼ 0.25% · 3.875%
HK$135,727
−HK$3,596/mo
Today · 4.125%
HK$139,323
baseline
▲ 0.50% · 4.625%
HK$146,667
+HK$7,344/mo
Deposit HK$2.89M · loan HK$26.05M · min. income ≈ HK$278,646/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,230,295 · Scale 2, in force from 26 Feb 2026)