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$66,013
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$68,067
−HK$2,086/mo
Today · 4.125%
HK$70,153
baseline
▲ 0.50% · 4.625%
HK$74,421
+HK$4,268/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$140,306/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,230,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,439
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$75,409
−HK$1,998/mo
Today · 4.125%
HK$77,407
baseline
▲ 0.50% · 4.625%
HK$81,487
+HK$4,080/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$154,814/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,230,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,216
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$81,680
−HK$2,503/mo
Today · 4.125%
HK$84,183
baseline
▲ 0.50% · 4.625%
HK$89,306
+HK$5,123/mo
Deposit HK$11.58M · loan HK$17.37M · min. income ≈ HK$168,366/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,230,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,127
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$90,490
−HK$2,398/mo
Today · 4.125%
HK$92,888
baseline
▲ 0.50% · 4.625%
HK$97,784
+HK$4,896/mo
Deposit HK$11.58M · loan HK$17.37M · min. income ≈ HK$185,776/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,230,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,419
−HK$5,795/mo
▼ 0.25% · 3.875%
HK$95,293
−HK$2,921/mo
Today · 4.125%
HK$98,214
baseline
▲ 0.50% · 4.625%
HK$104,190
+HK$5,976/mo
Deposit HK$8.68M · loan HK$20.26M · min. income ≈ HK$196,428/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,230,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,815
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$105,572
−HK$2,797/mo
Today · 4.125%
HK$108,369
baseline
▲ 0.50% · 4.625%
HK$114,082
+HK$5,713/mo
Deposit HK$8.68M · loan HK$20.26M · min. income ≈ HK$216,738/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,230,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,824
−HK$7,451/mo
▼ 0.25% · 3.875%
HK$122,520
−HK$3,755/mo
Today · 4.125%
HK$126,275
baseline
▲ 0.50% · 4.625%
HK$133,959
+HK$7,684/mo
Deposit HK$2.89M · loan HK$26.05M · min. income ≈ HK$252,550/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,230,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,190
−HK$7,142/mo
▼ 0.25% · 3.875%
HK$135,736
−HK$3,596/mo
Today · 4.125%
HK$139,332
baseline
▲ 0.50% · 4.625%
HK$146,677
+HK$7,345/mo
Deposit HK$2.89M · loan HK$26.05M · min. income ≈ HK$278,664/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,230,372 · Scale 2, in force from 26 Feb 2026)