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$65,885
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$67,934
−HK$2,082/mo
Today · 4.125%
HK$70,016
baseline
▲ 0.50% · 4.625%
HK$74,276
+HK$4,260/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$140,032/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,227,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,296
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$75,262
−HK$1,994/mo
Today · 4.125%
HK$77,256
baseline
▲ 0.50% · 4.625%
HK$81,328
+HK$4,072/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$154,512/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,227,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,061
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$81,521
−HK$2,498/mo
Today · 4.125%
HK$84,019
baseline
▲ 0.50% · 4.625%
HK$89,132
+HK$5,113/mo
Deposit HK$11.56M · loan HK$17.34M · min. income ≈ HK$168,038/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,227,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,955
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$90,314
−HK$2,393/mo
Today · 4.125%
HK$92,707
baseline
▲ 0.50% · 4.625%
HK$97,594
+HK$4,887/mo
Deposit HK$11.56M · loan HK$17.34M · min. income ≈ HK$185,414/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,227,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,238
−HK$5,784/mo
▼ 0.25% · 3.875%
HK$95,107
−HK$2,915/mo
Today · 4.125%
HK$98,022
baseline
▲ 0.50% · 4.625%
HK$103,987
+HK$5,965/mo
Deposit HK$8.67M · loan HK$20.23M · min. income ≈ HK$196,044/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,227,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,614
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$105,366
−HK$2,792/mo
Today · 4.125%
HK$108,158
baseline
▲ 0.50% · 4.625%
HK$113,859
+HK$5,701/mo
Deposit HK$8.67M · loan HK$20.23M · min. income ≈ HK$216,316/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,227,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,592
−HK$7,437/mo
▼ 0.25% · 3.875%
HK$122,281
−HK$3,748/mo
Today · 4.125%
HK$126,029
baseline
▲ 0.50% · 4.625%
HK$133,697
+HK$7,668/mo
Deposit HK$2.89M · loan HK$26.00M · min. income ≈ HK$252,058/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,227,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,933
−HK$7,127/mo
▼ 0.25% · 3.875%
HK$135,471
−HK$3,589/mo
Today · 4.125%
HK$139,060
baseline
▲ 0.50% · 4.625%
HK$146,391
+HK$7,331/mo
Deposit HK$2.89M · loan HK$26.00M · min. income ≈ HK$278,120/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,227,973 · Scale 2, in force from 26 Feb 2026)