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$66,104
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$68,160
−HK$2,089/mo
Today · 4.125%
HK$70,249
baseline
▲ 0.50% · 4.625%
HK$74,523
+HK$4,274/mo
Deposit HK$14.49M · loan HK$14.49M · min. income ≈ HK$140,498/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,232,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,540
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$75,512
−HK$2,001/mo
Today · 4.125%
HK$77,513
baseline
▲ 0.50% · 4.625%
HK$81,599
+HK$4,086/mo
Deposit HK$14.49M · loan HK$14.49M · min. income ≈ HK$155,026/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,232,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,324
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$81,792
−HK$2,507/mo
Today · 4.125%
HK$84,299
baseline
▲ 0.50% · 4.625%
HK$89,428
+HK$5,129/mo
Deposit HK$11.60M · loan HK$17.39M · min. income ≈ HK$168,598/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,232,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,248
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$90,614
−HK$2,401/mo
Today · 4.125%
HK$93,015
baseline
▲ 0.50% · 4.625%
HK$97,918
+HK$4,903/mo
Deposit HK$11.60M · loan HK$17.39M · min. income ≈ HK$186,030/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,232,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,545
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$95,424
−HK$2,925/mo
Today · 4.125%
HK$98,349
baseline
▲ 0.50% · 4.625%
HK$104,333
+HK$5,984/mo
Deposit HK$8.70M · loan HK$20.29M · min. income ≈ HK$196,698/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,232,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,956
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$105,717
−HK$2,801/mo
Today · 4.125%
HK$108,518
baseline
▲ 0.50% · 4.625%
HK$114,238
+HK$5,720/mo
Deposit HK$8.70M · loan HK$20.29M · min. income ≈ HK$217,036/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,232,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,987
−HK$7,461/mo
▼ 0.25% · 3.875%
HK$122,688
−HK$3,760/mo
Today · 4.125%
HK$126,448
baseline
▲ 0.50% · 4.625%
HK$134,142
+HK$7,694/mo
Deposit HK$2.90M · loan HK$26.09M · min. income ≈ HK$252,896/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,232,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,371
−HK$7,152/mo
▼ 0.25% · 3.875%
HK$135,922
−HK$3,601/mo
Today · 4.125%
HK$139,523
baseline
▲ 0.50% · 4.625%
HK$146,877
+HK$7,354/mo
Deposit HK$2.90M · loan HK$26.09M · min. income ≈ HK$279,046/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,232,058 · Scale 2, in force from 26 Feb 2026)