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$66,042
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$68,096
−HK$2,087/mo
Today · 4.125%
HK$70,183
baseline
▲ 0.50% · 4.625%
HK$74,454
+HK$4,271/mo
Deposit HK$14.48M · loan HK$14.48M · min. income ≈ HK$140,366/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,230,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,471
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$75,441
−HK$1,999/mo
Today · 4.125%
HK$77,440
baseline
▲ 0.50% · 4.625%
HK$81,522
+HK$4,082/mo
Deposit HK$14.48M · loan HK$14.48M · min. income ≈ HK$154,880/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,230,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,250
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$81,715
−HK$2,505/mo
Today · 4.125%
HK$84,220
baseline
▲ 0.50% · 4.625%
HK$89,345
+HK$5,125/mo
Deposit HK$11.59M · loan HK$17.38M · min. income ≈ HK$168,440/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,230,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,165
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$90,530
−HK$2,398/mo
Today · 4.125%
HK$92,928
baseline
▲ 0.50% · 4.625%
HK$97,827
+HK$4,899/mo
Deposit HK$11.59M · loan HK$17.38M · min. income ≈ HK$185,856/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,230,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,459
−HK$5,798/mo
▼ 0.25% · 3.875%
HK$95,335
−HK$2,922/mo
Today · 4.125%
HK$98,257
baseline
▲ 0.50% · 4.625%
HK$104,235
+HK$5,978/mo
Deposit HK$8.69M · loan HK$20.27M · min. income ≈ HK$196,514/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,230,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,859
−HK$5,558/mo
▼ 0.25% · 3.875%
HK$105,618
−HK$2,799/mo
Today · 4.125%
HK$108,417
baseline
▲ 0.50% · 4.625%
HK$114,131
+HK$5,714/mo
Deposit HK$8.69M · loan HK$20.27M · min. income ≈ HK$216,834/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,230,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,875
−HK$7,455/mo
▼ 0.25% · 3.875%
HK$122,573
−HK$3,757/mo
Today · 4.125%
HK$126,330
baseline
▲ 0.50% · 4.625%
HK$134,017
+HK$7,687/mo
Deposit HK$2.90M · loan HK$26.07M · min. income ≈ HK$252,660/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,230,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,248
−HK$7,145/mo
▼ 0.25% · 3.875%
HK$135,795
−HK$3,598/mo
Today · 4.125%
HK$139,393
baseline
▲ 0.50% · 4.625%
HK$146,740
+HK$7,347/mo
Deposit HK$2.90M · loan HK$26.07M · min. income ≈ HK$278,786/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,230,907 · Scale 2, in force from 26 Feb 2026)