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$65,978
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$68,030
−HK$2,086/mo
Today · 4.125%
HK$70,116
baseline
▲ 0.50% · 4.625%
HK$74,382
+HK$4,266/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$140,232/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,229,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,400
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$75,369
−HK$1,997/mo
Today · 4.125%
HK$77,366
baseline
▲ 0.50% · 4.625%
HK$81,444
+HK$4,078/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$154,732/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,229,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,174
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$81,637
−HK$2,502/mo
Today · 4.125%
HK$84,139
baseline
▲ 0.50% · 4.625%
HK$89,258
+HK$5,119/mo
Deposit HK$11.57M · loan HK$17.36M · min. income ≈ HK$168,278/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,080
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$90,442
−HK$2,397/mo
Today · 4.125%
HK$92,839
baseline
▲ 0.50% · 4.625%
HK$97,732
+HK$4,893/mo
Deposit HK$11.57M · loan HK$17.36M · min. income ≈ HK$185,678/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,369
−HK$5,793/mo
▼ 0.25% · 3.875%
HK$95,243
−HK$2,919/mo
Today · 4.125%
HK$98,162
baseline
▲ 0.50% · 4.625%
HK$104,135
+HK$5,973/mo
Deposit HK$8.68M · loan HK$20.25M · min. income ≈ HK$196,324/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,760
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$105,516
−HK$2,796/mo
Today · 4.125%
HK$108,312
baseline
▲ 0.50% · 4.625%
HK$114,021
+HK$5,709/mo
Deposit HK$8.68M · loan HK$20.25M · min. income ≈ HK$216,624/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,761
−HK$7,447/mo
▼ 0.25% · 3.875%
HK$122,455
−HK$3,753/mo
Today · 4.125%
HK$126,208
baseline
▲ 0.50% · 4.625%
HK$133,887
+HK$7,679/mo
Deposit HK$2.89M · loan HK$26.04M · min. income ≈ HK$252,416/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,120
−HK$7,138/mo
▼ 0.25% · 3.875%
HK$135,663
−HK$3,595/mo
Today · 4.125%
HK$139,258
baseline
▲ 0.50% · 4.625%
HK$146,599
+HK$7,341/mo
Deposit HK$2.89M · loan HK$26.04M · min. income ≈ HK$278,516/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,718 · Scale 2, in force from 26 Feb 2026)