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$66,015
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$68,068
−HK$2,086/mo
Today · 4.125%
HK$70,154
baseline
▲ 0.50% · 4.625%
HK$74,423
+HK$4,269/mo
Deposit HK$14.48M · loan HK$14.48M · min. income ≈ HK$140,308/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,230,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,441
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$75,410
−HK$1,998/mo
Today · 4.125%
HK$77,408
baseline
▲ 0.50% · 4.625%
HK$81,489
+HK$4,081/mo
Deposit HK$14.48M · loan HK$14.48M · min. income ≈ HK$154,816/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,230,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,218
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$81,682
−HK$2,503/mo
Today · 4.125%
HK$84,185
baseline
▲ 0.50% · 4.625%
HK$89,308
+HK$5,123/mo
Deposit HK$11.58M · loan HK$17.37M · min. income ≈ HK$168,370/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,230,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,129
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$90,492
−HK$2,398/mo
Today · 4.125%
HK$92,890
baseline
▲ 0.50% · 4.625%
HK$97,786
+HK$4,896/mo
Deposit HK$11.58M · loan HK$17.37M · min. income ≈ HK$185,780/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,230,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,421
−HK$5,795/mo
▼ 0.25% · 3.875%
HK$95,295
−HK$2,921/mo
Today · 4.125%
HK$98,216
baseline
▲ 0.50% · 4.625%
HK$104,192
+HK$5,976/mo
Deposit HK$8.69M · loan HK$20.27M · min. income ≈ HK$196,432/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,230,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,817
−HK$5,555/mo
▼ 0.25% · 3.875%
HK$105,574
−HK$2,798/mo
Today · 4.125%
HK$108,372
baseline
▲ 0.50% · 4.625%
HK$114,084
+HK$5,712/mo
Deposit HK$8.69M · loan HK$20.27M · min. income ≈ HK$216,744/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,230,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,826
−HK$7,452/mo
▼ 0.25% · 3.875%
HK$122,523
−HK$3,755/mo
Today · 4.125%
HK$126,278
baseline
▲ 0.50% · 4.625%
HK$133,962
+HK$7,684/mo
Deposit HK$2.90M · loan HK$26.06M · min. income ≈ HK$252,556/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,230,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,193
−HK$7,142/mo
▼ 0.25% · 3.875%
HK$135,738
−HK$3,597/mo
Today · 4.125%
HK$139,335
baseline
▲ 0.50% · 4.625%
HK$146,680
+HK$7,345/mo
Deposit HK$2.90M · loan HK$26.06M · min. income ≈ HK$278,670/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,230,398 · Scale 2, in force from 26 Feb 2026)