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$66,097
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$68,153
−HK$2,089/mo
Today · 4.125%
HK$70,242
baseline
▲ 0.50% · 4.625%
HK$74,516
+HK$4,274/mo
Deposit HK$14.49M · loan HK$14.49M · min. income ≈ HK$140,484/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,231,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,532
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$75,504
−HK$2,001/mo
Today · 4.125%
HK$77,505
baseline
▲ 0.50% · 4.625%
HK$81,590
+HK$4,085/mo
Deposit HK$14.49M · loan HK$14.49M · min. income ≈ HK$155,010/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,231,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,316
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$81,784
−HK$2,506/mo
Today · 4.125%
HK$84,290
baseline
▲ 0.50% · 4.625%
HK$89,419
+HK$5,129/mo
Deposit HK$11.59M · loan HK$17.39M · min. income ≈ HK$168,580/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,231,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,239
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$90,605
−HK$2,401/mo
Today · 4.125%
HK$93,006
baseline
▲ 0.50% · 4.625%
HK$97,908
+HK$4,902/mo
Deposit HK$11.59M · loan HK$17.39M · min. income ≈ HK$186,012/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,231,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,536
−HK$5,803/mo
▼ 0.25% · 3.875%
HK$95,414
−HK$2,925/mo
Today · 4.125%
HK$98,339
baseline
▲ 0.50% · 4.625%
HK$104,322
+HK$5,983/mo
Deposit HK$8.70M · loan HK$20.29M · min. income ≈ HK$196,678/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,231,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,945
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$105,706
−HK$2,801/mo
Today · 4.125%
HK$108,507
baseline
▲ 0.50% · 4.625%
HK$114,227
+HK$5,720/mo
Deposit HK$8.70M · loan HK$20.29M · min. income ≈ HK$217,014/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,231,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,975
−HK$7,460/mo
▼ 0.25% · 3.875%
HK$122,675
−HK$3,760/mo
Today · 4.125%
HK$126,435
baseline
▲ 0.50% · 4.625%
HK$134,129
+HK$7,694/mo
Deposit HK$2.90M · loan HK$26.09M · min. income ≈ HK$252,870/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,231,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,358
−HK$7,151/mo
▼ 0.25% · 3.875%
HK$135,908
−HK$3,601/mo
Today · 4.125%
HK$139,509
baseline
▲ 0.50% · 4.625%
HK$146,863
+HK$7,354/mo
Deposit HK$2.90M · loan HK$26.09M · min. income ≈ HK$279,018/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,231,934 · Scale 2, in force from 26 Feb 2026)