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$66,071
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$68,126
−HK$2,088/mo
Today · 4.125%
HK$70,214
baseline
▲ 0.50% · 4.625%
HK$74,486
+HK$4,272/mo
Deposit HK$14.49M · loan HK$14.49M · min. income ≈ HK$140,428/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,231,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,503
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$75,474
−HK$2,000/mo
Today · 4.125%
HK$77,474
baseline
▲ 0.50% · 4.625%
HK$81,558
+HK$4,084/mo
Deposit HK$14.49M · loan HK$14.49M · min. income ≈ HK$154,948/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,231,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,285
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$81,751
−HK$2,506/mo
Today · 4.125%
HK$84,257
baseline
▲ 0.50% · 4.625%
HK$89,384
+HK$5,127/mo
Deposit HK$11.59M · loan HK$17.39M · min. income ≈ HK$168,514/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,231,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,204
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$90,569
−HK$2,400/mo
Today · 4.125%
HK$92,969
baseline
▲ 0.50% · 4.625%
HK$97,870
+HK$4,901/mo
Deposit HK$11.59M · loan HK$17.39M · min. income ≈ HK$185,938/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,231,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,499
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$95,376
−HK$2,924/mo
Today · 4.125%
HK$98,300
baseline
▲ 0.50% · 4.625%
HK$104,281
+HK$5,981/mo
Deposit HK$8.69M · loan HK$20.28M · min. income ≈ HK$196,600/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,231,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,904
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$105,664
−HK$2,800/mo
Today · 4.125%
HK$108,464
baseline
▲ 0.50% · 4.625%
HK$114,181
+HK$5,717/mo
Deposit HK$8.69M · loan HK$20.28M · min. income ≈ HK$216,928/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,231,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,927
−HK$7,458/mo
▼ 0.25% · 3.875%
HK$122,627
−HK$3,758/mo
Today · 4.125%
HK$126,385
baseline
▲ 0.50% · 4.625%
HK$134,075
+HK$7,690/mo
Deposit HK$2.90M · loan HK$26.08M · min. income ≈ HK$252,770/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,231,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,306
−HK$7,148/mo
▼ 0.25% · 3.875%
HK$135,854
−HK$3,600/mo
Today · 4.125%
HK$139,454
baseline
▲ 0.50% · 4.625%
HK$146,804
+HK$7,350/mo
Deposit HK$2.90M · loan HK$26.08M · min. income ≈ HK$278,908/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,231,444 · Scale 2, in force from 26 Feb 2026)