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$66,034
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$68,088
−HK$2,087/mo
Today · 4.125%
HK$70,175
baseline
▲ 0.50% · 4.625%
HK$74,445
+HK$4,270/mo
Deposit HK$14.48M · loan HK$14.48M · min. income ≈ HK$140,350/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,230,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,463
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$75,433
−HK$1,999/mo
Today · 4.125%
HK$77,432
baseline
▲ 0.50% · 4.625%
HK$81,513
+HK$4,081/mo
Deposit HK$14.48M · loan HK$14.48M · min. income ≈ HK$154,864/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,230,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,241
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$81,706
−HK$2,504/mo
Today · 4.125%
HK$84,210
baseline
▲ 0.50% · 4.625%
HK$89,334
+HK$5,124/mo
Deposit HK$11.58M · loan HK$17.38M · min. income ≈ HK$168,420/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,230,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,155
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$90,519
−HK$2,399/mo
Today · 4.125%
HK$92,918
baseline
▲ 0.50% · 4.625%
HK$97,816
+HK$4,898/mo
Deposit HK$11.58M · loan HK$17.38M · min. income ≈ HK$185,836/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,230,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,448
−HK$5,798/mo
▼ 0.25% · 3.875%
HK$95,324
−HK$2,922/mo
Today · 4.125%
HK$98,246
baseline
▲ 0.50% · 4.625%
HK$104,224
+HK$5,978/mo
Deposit HK$8.69M · loan HK$20.27M · min. income ≈ HK$196,492/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,230,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,848
−HK$5,556/mo
▼ 0.25% · 3.875%
HK$105,606
−HK$2,798/mo
Today · 4.125%
HK$108,404
baseline
▲ 0.50% · 4.625%
HK$114,118
+HK$5,714/mo
Deposit HK$8.69M · loan HK$20.27M · min. income ≈ HK$216,808/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,230,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,862
−HK$7,454/mo
▼ 0.25% · 3.875%
HK$122,559
−HK$3,757/mo
Today · 4.125%
HK$126,316
baseline
▲ 0.50% · 4.625%
HK$134,002
+HK$7,686/mo
Deposit HK$2.90M · loan HK$26.06M · min. income ≈ HK$252,632/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,230,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,233
−HK$7,144/mo
▼ 0.25% · 3.875%
HK$135,779
−HK$3,598/mo
Today · 4.125%
HK$139,377
baseline
▲ 0.50% · 4.625%
HK$146,724
+HK$7,347/mo
Deposit HK$2.90M · loan HK$26.06M · min. income ≈ HK$278,754/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,230,767 · Scale 2, in force from 26 Feb 2026)