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$66,001
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$68,054
−HK$2,086/mo
Today · 4.125%
HK$70,140
baseline
▲ 0.50% · 4.625%
HK$74,407
+HK$4,267/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$140,280/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,230,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,425
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$75,394
−HK$1,998/mo
Today · 4.125%
HK$77,392
baseline
▲ 0.50% · 4.625%
HK$81,472
+HK$4,080/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$154,784/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,230,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,201
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$81,665
−HK$2,503/mo
Today · 4.125%
HK$84,168
baseline
▲ 0.50% · 4.625%
HK$89,289
+HK$5,121/mo
Deposit HK$11.58M · loan HK$17.37M · min. income ≈ HK$168,336/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,230,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,110
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$90,473
−HK$2,398/mo
Today · 4.125%
HK$92,871
baseline
▲ 0.50% · 4.625%
HK$97,766
+HK$4,895/mo
Deposit HK$11.58M · loan HK$17.37M · min. income ≈ HK$185,742/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,230,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,401
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$95,275
−HK$2,920/mo
Today · 4.125%
HK$98,195
baseline
▲ 0.50% · 4.625%
HK$104,170
+HK$5,975/mo
Deposit HK$8.68M · loan HK$20.26M · min. income ≈ HK$196,390/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,230,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,795
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$105,552
−HK$2,797/mo
Today · 4.125%
HK$108,349
baseline
▲ 0.50% · 4.625%
HK$114,060
+HK$5,711/mo
Deposit HK$8.68M · loan HK$20.26M · min. income ≈ HK$216,698/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,230,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,801
−HK$7,450/mo
▼ 0.25% · 3.875%
HK$122,497
−HK$3,754/mo
Today · 4.125%
HK$126,251
baseline
▲ 0.50% · 4.625%
HK$133,933
+HK$7,682/mo
Deposit HK$2.89M · loan HK$26.05M · min. income ≈ HK$252,502/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,230,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,165
−HK$7,141/mo
▼ 0.25% · 3.875%
HK$135,710
−HK$3,596/mo
Today · 4.125%
HK$139,306
baseline
▲ 0.50% · 4.625%
HK$146,649
+HK$7,343/mo
Deposit HK$2.89M · loan HK$26.05M · min. income ≈ HK$278,612/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,230,140 · Scale 2, in force from 26 Feb 2026)