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$66,008
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$68,061
−HK$2,086/mo
Today · 4.125%
HK$70,147
baseline
▲ 0.50% · 4.625%
HK$74,416
+HK$4,269/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$140,294/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,230,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,433
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$75,403
−HK$1,998/mo
Today · 4.125%
HK$77,401
baseline
▲ 0.50% · 4.625%
HK$81,481
+HK$4,080/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$154,802/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,230,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,210
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$81,674
−HK$2,503/mo
Today · 4.125%
HK$84,177
baseline
▲ 0.50% · 4.625%
HK$89,299
+HK$5,122/mo
Deposit HK$11.58M · loan HK$17.37M · min. income ≈ HK$168,354/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,230,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,120
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$90,483
−HK$2,398/mo
Today · 4.125%
HK$92,881
baseline
▲ 0.50% · 4.625%
HK$97,777
+HK$4,896/mo
Deposit HK$11.58M · loan HK$17.37M · min. income ≈ HK$185,762/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,230,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,411
−HK$5,795/mo
▼ 0.25% · 3.875%
HK$95,286
−HK$2,920/mo
Today · 4.125%
HK$98,206
baseline
▲ 0.50% · 4.625%
HK$104,182
+HK$5,976/mo
Deposit HK$8.68M · loan HK$20.26M · min. income ≈ HK$196,412/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,230,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,807
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$105,564
−HK$2,797/mo
Today · 4.125%
HK$108,361
baseline
▲ 0.50% · 4.625%
HK$114,073
+HK$5,712/mo
Deposit HK$8.68M · loan HK$20.26M · min. income ≈ HK$216,722/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,230,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,815
−HK$7,450/mo
▼ 0.25% · 3.875%
HK$122,511
−HK$3,754/mo
Today · 4.125%
HK$126,265
baseline
▲ 0.50% · 4.625%
HK$133,948
+HK$7,683/mo
Deposit HK$2.89M · loan HK$26.05M · min. income ≈ HK$252,530/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,230,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,180
−HK$7,141/mo
▼ 0.25% · 3.875%
HK$135,725
−HK$3,596/mo
Today · 4.125%
HK$139,321
baseline
▲ 0.50% · 4.625%
HK$146,665
+HK$7,344/mo
Deposit HK$2.89M · loan HK$26.05M · min. income ≈ HK$278,642/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,230,278 · Scale 2, in force from 26 Feb 2026)