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$66,028
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$68,081
−HK$2,087/mo
Today · 4.125%
HK$70,168
baseline
▲ 0.50% · 4.625%
HK$74,438
+HK$4,270/mo
Deposit HK$14.48M · loan HK$14.48M · min. income ≈ HK$140,336/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,230,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,455
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$75,425
−HK$1,999/mo
Today · 4.125%
HK$77,424
baseline
▲ 0.50% · 4.625%
HK$81,505
+HK$4,081/mo
Deposit HK$14.48M · loan HK$14.48M · min. income ≈ HK$154,848/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,230,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,233
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$81,698
−HK$2,504/mo
Today · 4.125%
HK$84,202
baseline
▲ 0.50% · 4.625%
HK$89,325
+HK$5,123/mo
Deposit HK$11.58M · loan HK$17.37M · min. income ≈ HK$168,404/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,230,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,146
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$90,510
−HK$2,398/mo
Today · 4.125%
HK$92,908
baseline
▲ 0.50% · 4.625%
HK$97,806
+HK$4,898/mo
Deposit HK$11.58M · loan HK$17.37M · min. income ≈ HK$185,816/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,230,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,439
−HK$5,796/mo
▼ 0.25% · 3.875%
HK$95,314
−HK$2,921/mo
Today · 4.125%
HK$98,235
baseline
▲ 0.50% · 4.625%
HK$104,213
+HK$5,978/mo
Deposit HK$8.69M · loan HK$20.27M · min. income ≈ HK$196,470/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,230,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,837
−HK$5,556/mo
▼ 0.25% · 3.875%
HK$105,595
−HK$2,798/mo
Today · 4.125%
HK$108,393
baseline
▲ 0.50% · 4.625%
HK$114,107
+HK$5,714/mo
Deposit HK$8.69M · loan HK$20.27M · min. income ≈ HK$216,786/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,230,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,850
−HK$7,453/mo
▼ 0.25% · 3.875%
HK$122,547
−HK$3,756/mo
Today · 4.125%
HK$126,303
baseline
▲ 0.50% · 4.625%
HK$133,988
+HK$7,685/mo
Deposit HK$2.90M · loan HK$26.06M · min. income ≈ HK$252,606/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,230,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,219
−HK$7,144/mo
▼ 0.25% · 3.875%
HK$135,765
−HK$3,598/mo
Today · 4.125%
HK$139,363
baseline
▲ 0.50% · 4.625%
HK$146,709
+HK$7,346/mo
Deposit HK$2.90M · loan HK$26.06M · min. income ≈ HK$278,726/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,230,641 · Scale 2, in force from 26 Feb 2026)