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$65,849
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$67,897
−HK$2,081/mo
Today · 4.125%
HK$69,978
baseline
▲ 0.50% · 4.625%
HK$74,236
+HK$4,258/mo
Deposit HK$14.44M · loan HK$14.44M · min. income ≈ HK$139,956/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,227,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,256
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$75,221
−HK$1,993/mo
Today · 4.125%
HK$77,214
baseline
▲ 0.50% · 4.625%
HK$81,284
+HK$4,070/mo
Deposit HK$14.44M · loan HK$14.44M · min. income ≈ HK$154,428/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,227,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,018
−HK$4,955/mo
▼ 0.25% · 3.875%
HK$81,476
−HK$2,497/mo
Today · 4.125%
HK$83,973
baseline
▲ 0.50% · 4.625%
HK$89,083
+HK$5,110/mo
Deposit HK$11.55M · loan HK$17.33M · min. income ≈ HK$167,946/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,227,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,907
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$90,265
−HK$2,391/mo
Today · 4.125%
HK$92,656
baseline
▲ 0.50% · 4.625%
HK$97,540
+HK$4,884/mo
Deposit HK$11.55M · loan HK$17.33M · min. income ≈ HK$185,312/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,227,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,188
−HK$5,781/mo
▼ 0.25% · 3.875%
HK$95,056
−HK$2,913/mo
Today · 4.125%
HK$97,969
baseline
▲ 0.50% · 4.625%
HK$103,930
+HK$5,961/mo
Deposit HK$8.66M · loan HK$20.21M · min. income ≈ HK$195,938/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$1,227,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,558
−HK$5,541/mo
▼ 0.25% · 3.875%
HK$105,309
−HK$2,790/mo
Today · 4.125%
HK$108,099
baseline
▲ 0.50% · 4.625%
HK$113,797
+HK$5,698/mo
Deposit HK$8.66M · loan HK$20.21M · min. income ≈ HK$216,198/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$1,227,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,527
−HK$7,433/mo
▼ 0.25% · 3.875%
HK$122,214
−HK$3,746/mo
Today · 4.125%
HK$125,960
baseline
▲ 0.50% · 4.625%
HK$133,624
+HK$7,664/mo
Deposit HK$2.89M · loan HK$25.99M · min. income ≈ HK$251,920/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,227,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,860
−HK$7,125/mo
▼ 0.25% · 3.875%
HK$135,397
−HK$3,588/mo
Today · 4.125%
HK$138,985
baseline
▲ 0.50% · 4.625%
HK$146,311
+HK$7,326/mo
Deposit HK$2.89M · loan HK$25.99M · min. income ≈ HK$277,970/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,227,302 · Scale 2, in force from 26 Feb 2026)