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$65,942
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$67,994
−HK$2,084/mo
Today · 4.125%
HK$70,078
baseline
▲ 0.50% · 4.625%
HK$74,342
+HK$4,264/mo
Deposit HK$14.46M · loan HK$14.46M · min. income ≈ HK$140,156/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,229,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,360
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,328
−HK$1,996/mo
Today · 4.125%
HK$77,324
baseline
▲ 0.50% · 4.625%
HK$81,399
+HK$4,075/mo
Deposit HK$14.46M · loan HK$14.46M · min. income ≈ HK$154,648/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,229,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,131
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$81,592
−HK$2,501/mo
Today · 4.125%
HK$84,093
baseline
▲ 0.50% · 4.625%
HK$89,210
+HK$5,117/mo
Deposit HK$11.57M · loan HK$17.35M · min. income ≈ HK$168,186/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,032
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$90,393
−HK$2,395/mo
Today · 4.125%
HK$92,788
baseline
▲ 0.50% · 4.625%
HK$97,679
+HK$4,891/mo
Deposit HK$11.57M · loan HK$17.35M · min. income ≈ HK$185,576/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,319
−HK$5,790/mo
▼ 0.25% · 3.875%
HK$95,191
−HK$2,918/mo
Today · 4.125%
HK$98,109
baseline
▲ 0.50% · 4.625%
HK$104,078
+HK$5,969/mo
Deposit HK$8.68M · loan HK$20.24M · min. income ≈ HK$196,218/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,229,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,704
−HK$5,549/mo
▼ 0.25% · 3.875%
HK$105,459
−HK$2,794/mo
Today · 4.125%
HK$108,253
baseline
▲ 0.50% · 4.625%
HK$113,959
+HK$5,706/mo
Deposit HK$8.68M · loan HK$20.24M · min. income ≈ HK$216,506/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,229,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,696
−HK$7,444/mo
▼ 0.25% · 3.875%
HK$122,388
−HK$3,752/mo
Today · 4.125%
HK$126,140
baseline
▲ 0.50% · 4.625%
HK$133,815
+HK$7,675/mo
Deposit HK$2.89M · loan HK$26.03M · min. income ≈ HK$252,280/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,048
−HK$7,135/mo
▼ 0.25% · 3.875%
HK$135,590
−HK$3,593/mo
Today · 4.125%
HK$139,183
baseline
▲ 0.50% · 4.625%
HK$146,519
+HK$7,336/mo
Deposit HK$2.89M · loan HK$26.03M · min. income ≈ HK$278,366/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,051 · Scale 2, in force from 26 Feb 2026)