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$65,883
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$67,933
−HK$2,082/mo
Today · 4.125%
HK$70,015
baseline
▲ 0.50% · 4.625%
HK$74,275
+HK$4,260/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$140,030/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,227,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,295
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$75,260
−HK$1,994/mo
Today · 4.125%
HK$77,254
baseline
▲ 0.50% · 4.625%
HK$81,327
+HK$4,073/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$154,508/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,227,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,060
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$81,519
−HK$2,499/mo
Today · 4.125%
HK$84,018
baseline
▲ 0.50% · 4.625%
HK$89,130
+HK$5,112/mo
Deposit HK$11.56M · loan HK$17.34M · min. income ≈ HK$168,036/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,227,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,953
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$90,312
−HK$2,393/mo
Today · 4.125%
HK$92,705
baseline
▲ 0.50% · 4.625%
HK$97,592
+HK$4,887/mo
Deposit HK$11.56M · loan HK$17.34M · min. income ≈ HK$185,410/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,227,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,237
−HK$5,784/mo
▼ 0.25% · 3.875%
HK$95,106
−HK$2,915/mo
Today · 4.125%
HK$98,021
baseline
▲ 0.50% · 4.625%
HK$103,985
+HK$5,964/mo
Deposit HK$8.67M · loan HK$20.23M · min. income ≈ HK$196,042/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,227,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,612
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$105,364
−HK$2,792/mo
Today · 4.125%
HK$108,156
baseline
▲ 0.50% · 4.625%
HK$113,857
+HK$5,701/mo
Deposit HK$8.67M · loan HK$20.23M · min. income ≈ HK$216,312/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,227,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,590
−HK$7,437/mo
▼ 0.25% · 3.875%
HK$122,279
−HK$3,748/mo
Today · 4.125%
HK$126,027
baseline
▲ 0.50% · 4.625%
HK$133,695
+HK$7,668/mo
Deposit HK$2.89M · loan HK$26.00M · min. income ≈ HK$252,054/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,227,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,930
−HK$7,128/mo
▼ 0.25% · 3.875%
HK$135,468
−HK$3,590/mo
Today · 4.125%
HK$139,058
baseline
▲ 0.50% · 4.625%
HK$146,388
+HK$7,330/mo
Deposit HK$2.89M · loan HK$26.00M · min. income ≈ HK$278,116/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,227,951 · Scale 2, in force from 26 Feb 2026)