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$65,966
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$68,017
−HK$2,085/mo
Today · 4.125%
HK$70,102
baseline
▲ 0.50% · 4.625%
HK$74,368
+HK$4,266/mo
Deposit HK$14.46M · loan HK$14.46M · min. income ≈ HK$140,204/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,229,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,386
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$75,354
−HK$1,997/mo
Today · 4.125%
HK$77,351
baseline
▲ 0.50% · 4.625%
HK$81,428
+HK$4,077/mo
Deposit HK$14.46M · loan HK$14.46M · min. income ≈ HK$154,702/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,229,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,159
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$81,621
−HK$2,502/mo
Today · 4.125%
HK$84,123
baseline
▲ 0.50% · 4.625%
HK$89,241
+HK$5,118/mo
Deposit HK$11.57M · loan HK$17.36M · min. income ≈ HK$168,246/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,063
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$90,425
−HK$2,396/mo
Today · 4.125%
HK$92,821
baseline
▲ 0.50% · 4.625%
HK$97,714
+HK$4,893/mo
Deposit HK$11.57M · loan HK$17.36M · min. income ≈ HK$185,642/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,352
−HK$5,791/mo
▼ 0.25% · 3.875%
HK$95,224
−HK$2,919/mo
Today · 4.125%
HK$98,143
baseline
▲ 0.50% · 4.625%
HK$104,115
+HK$5,972/mo
Deposit HK$8.68M · loan HK$20.25M · min. income ≈ HK$196,286/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,740
−HK$5,551/mo
▼ 0.25% · 3.875%
HK$105,496
−HK$2,795/mo
Today · 4.125%
HK$108,291
baseline
▲ 0.50% · 4.625%
HK$113,999
+HK$5,708/mo
Deposit HK$8.68M · loan HK$20.25M · min. income ≈ HK$216,582/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,738
−HK$7,446/mo
▼ 0.25% · 3.875%
HK$122,431
−HK$3,753/mo
Today · 4.125%
HK$126,184
baseline
▲ 0.50% · 4.625%
HK$133,862
+HK$7,678/mo
Deposit HK$2.89M · loan HK$26.04M · min. income ≈ HK$252,368/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,095
−HK$7,137/mo
▼ 0.25% · 3.875%
HK$135,638
−HK$3,594/mo
Today · 4.125%
HK$139,232
baseline
▲ 0.50% · 4.625%
HK$146,571
+HK$7,339/mo
Deposit HK$2.89M · loan HK$26.04M · min. income ≈ HK$278,464/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,484 · Scale 2, in force from 26 Feb 2026)