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$65,984
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$68,036
−HK$2,085/mo
Today · 4.125%
HK$70,121
baseline
▲ 0.50% · 4.625%
HK$74,388
+HK$4,267/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$140,242/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,229,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,406
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$75,375
−HK$1,997/mo
Today · 4.125%
HK$77,372
baseline
▲ 0.50% · 4.625%
HK$81,450
+HK$4,078/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$154,744/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,229,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,180
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$81,643
−HK$2,503/mo
Today · 4.125%
HK$84,146
baseline
▲ 0.50% · 4.625%
HK$89,266
+HK$5,120/mo
Deposit HK$11.57M · loan HK$17.36M · min. income ≈ HK$168,292/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,087
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$90,450
−HK$2,396/mo
Today · 4.125%
HK$92,846
baseline
▲ 0.50% · 4.625%
HK$97,741
+HK$4,895/mo
Deposit HK$11.57M · loan HK$17.36M · min. income ≈ HK$185,692/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,377
−HK$5,793/mo
▼ 0.25% · 3.875%
HK$95,251
−HK$2,919/mo
Today · 4.125%
HK$98,170
baseline
▲ 0.50% · 4.625%
HK$104,143
+HK$5,973/mo
Deposit HK$8.68M · loan HK$20.26M · min. income ≈ HK$196,340/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,769
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$105,525
−HK$2,796/mo
Today · 4.125%
HK$108,321
baseline
▲ 0.50% · 4.625%
HK$114,031
+HK$5,710/mo
Deposit HK$8.68M · loan HK$20.26M · min. income ≈ HK$216,642/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,771
−HK$7,448/mo
▼ 0.25% · 3.875%
HK$122,465
−HK$3,754/mo
Today · 4.125%
HK$126,219
baseline
▲ 0.50% · 4.625%
HK$133,899
+HK$7,680/mo
Deposit HK$2.89M · loan HK$26.04M · min. income ≈ HK$252,438/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,131
−HK$7,139/mo
▼ 0.25% · 3.875%
HK$135,675
−HK$3,595/mo
Today · 4.125%
HK$139,270
baseline
▲ 0.50% · 4.625%
HK$146,611
+HK$7,341/mo
Deposit HK$2.89M · loan HK$26.04M · min. income ≈ HK$278,540/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,820 · Scale 2, in force from 26 Feb 2026)