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$65,975
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$68,028
−HK$2,085/mo
Today · 4.125%
HK$70,113
baseline
▲ 0.50% · 4.625%
HK$74,379
+HK$4,266/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$140,226/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,229,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,397
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$75,366
−HK$1,996/mo
Today · 4.125%
HK$77,362
baseline
▲ 0.50% · 4.625%
HK$81,440
+HK$4,078/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$154,724/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,229,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,171
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$81,633
−HK$2,502/mo
Today · 4.125%
HK$84,135
baseline
▲ 0.50% · 4.625%
HK$89,255
+HK$5,120/mo
Deposit HK$11.57M · loan HK$17.36M · min. income ≈ HK$168,270/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,076
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$90,439
−HK$2,396/mo
Today · 4.125%
HK$92,835
baseline
▲ 0.50% · 4.625%
HK$97,728
+HK$4,893/mo
Deposit HK$11.57M · loan HK$17.36M · min. income ≈ HK$185,670/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,366
−HK$5,792/mo
▼ 0.25% · 3.875%
HK$95,239
−HK$2,919/mo
Today · 4.125%
HK$98,158
baseline
▲ 0.50% · 4.625%
HK$104,131
+HK$5,973/mo
Deposit HK$8.68M · loan HK$20.25M · min. income ≈ HK$196,316/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,756
−HK$5,551/mo
▼ 0.25% · 3.875%
HK$105,512
−HK$2,795/mo
Today · 4.125%
HK$108,307
baseline
▲ 0.50% · 4.625%
HK$114,017
+HK$5,710/mo
Deposit HK$8.68M · loan HK$20.25M · min. income ≈ HK$216,614/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,756
−HK$7,447/mo
▼ 0.25% · 3.875%
HK$122,450
−HK$3,753/mo
Today · 4.125%
HK$126,203
baseline
▲ 0.50% · 4.625%
HK$133,882
+HK$7,679/mo
Deposit HK$2.89M · loan HK$26.04M · min. income ≈ HK$252,406/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,115
−HK$7,137/mo
▼ 0.25% · 3.875%
HK$135,658
−HK$3,594/mo
Today · 4.125%
HK$139,252
baseline
▲ 0.50% · 4.625%
HK$146,593
+HK$7,341/mo
Deposit HK$2.89M · loan HK$26.04M · min. income ≈ HK$278,504/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,669 · Scale 2, in force from 26 Feb 2026)