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$65,931
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$67,981
−HK$2,084/mo
Today · 4.125%
HK$70,065
baseline
▲ 0.50% · 4.625%
HK$74,328
+HK$4,263/mo
Deposit HK$14.46M · loan HK$14.46M · min. income ≈ HK$140,130/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,228,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,347
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$75,314
−HK$1,996/mo
Today · 4.125%
HK$77,310
baseline
▲ 0.50% · 4.625%
HK$81,385
+HK$4,075/mo
Deposit HK$14.46M · loan HK$14.46M · min. income ≈ HK$154,620/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,228,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,117
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$81,578
−HK$2,500/mo
Today · 4.125%
HK$84,078
baseline
▲ 0.50% · 4.625%
HK$89,194
+HK$5,116/mo
Deposit HK$11.57M · loan HK$17.35M · min. income ≈ HK$168,156/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,228,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,016
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$90,377
−HK$2,395/mo
Today · 4.125%
HK$92,772
baseline
▲ 0.50% · 4.625%
HK$97,662
+HK$4,890/mo
Deposit HK$11.57M · loan HK$17.35M · min. income ≈ HK$185,544/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,228,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,303
−HK$5,788/mo
▼ 0.25% · 3.875%
HK$95,174
−HK$2,917/mo
Today · 4.125%
HK$98,091
baseline
▲ 0.50% · 4.625%
HK$104,060
+HK$5,969/mo
Deposit HK$8.67M · loan HK$20.24M · min. income ≈ HK$196,182/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,228,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,686
−HK$5,548/mo
▼ 0.25% · 3.875%
HK$105,440
−HK$2,794/mo
Today · 4.125%
HK$108,234
baseline
▲ 0.50% · 4.625%
HK$113,939
+HK$5,705/mo
Deposit HK$8.67M · loan HK$20.24M · min. income ≈ HK$216,468/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,228,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,675
−HK$7,442/mo
▼ 0.25% · 3.875%
HK$122,366
−HK$3,751/mo
Today · 4.125%
HK$126,117
baseline
▲ 0.50% · 4.625%
HK$133,791
+HK$7,674/mo
Deposit HK$2.89M · loan HK$26.02M · min. income ≈ HK$252,234/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,228,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,025
−HK$7,133/mo
▼ 0.25% · 3.875%
HK$135,566
−HK$3,592/mo
Today · 4.125%
HK$139,158
baseline
▲ 0.50% · 4.625%
HK$146,493
+HK$7,335/mo
Deposit HK$2.89M · loan HK$26.02M · min. income ≈ HK$278,316/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,228,830 · Scale 2, in force from 26 Feb 2026)