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$65,970
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$68,022
−HK$2,085/mo
Today · 4.125%
HK$70,107
baseline
▲ 0.50% · 4.625%
HK$74,373
+HK$4,266/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$140,214/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,229,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,391
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$75,359
−HK$1,997/mo
Today · 4.125%
HK$77,356
baseline
▲ 0.50% · 4.625%
HK$81,434
+HK$4,078/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$154,712/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,229,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,164
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$81,626
−HK$2,502/mo
Today · 4.125%
HK$84,128
baseline
▲ 0.50% · 4.625%
HK$89,247
+HK$5,119/mo
Deposit HK$11.57M · loan HK$17.36M · min. income ≈ HK$168,256/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,069
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$90,431
−HK$2,396/mo
Today · 4.125%
HK$92,827
baseline
▲ 0.50% · 4.625%
HK$97,720
+HK$4,893/mo
Deposit HK$11.57M · loan HK$17.36M · min. income ≈ HK$185,654/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,358
−HK$5,792/mo
▼ 0.25% · 3.875%
HK$95,231
−HK$2,919/mo
Today · 4.125%
HK$98,150
baseline
▲ 0.50% · 4.625%
HK$104,122
+HK$5,972/mo
Deposit HK$8.68M · loan HK$20.25M · min. income ≈ HK$196,300/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,747
−HK$5,551/mo
▼ 0.25% · 3.875%
HK$105,503
−HK$2,795/mo
Today · 4.125%
HK$108,298
baseline
▲ 0.50% · 4.625%
HK$114,007
+HK$5,709/mo
Deposit HK$8.68M · loan HK$20.25M · min. income ≈ HK$216,596/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,746
−HK$7,446/mo
▼ 0.25% · 3.875%
HK$122,440
−HK$3,752/mo
Today · 4.125%
HK$126,192
baseline
▲ 0.50% · 4.625%
HK$133,871
+HK$7,679/mo
Deposit HK$2.89M · loan HK$26.04M · min. income ≈ HK$252,384/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,104
−HK$7,137/mo
▼ 0.25% · 3.875%
HK$135,647
−HK$3,594/mo
Today · 4.125%
HK$139,241
baseline
▲ 0.50% · 4.625%
HK$146,580
+HK$7,339/mo
Deposit HK$2.89M · loan HK$26.04M · min. income ≈ HK$278,482/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,566 · Scale 2, in force from 26 Feb 2026)