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$65,880
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$67,929
−HK$2,082/mo
Today · 4.125%
HK$70,011
baseline
▲ 0.50% · 4.625%
HK$74,271
+HK$4,260/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$140,022/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,227,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,291
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$75,257
−HK$1,994/mo
Today · 4.125%
HK$77,251
baseline
▲ 0.50% · 4.625%
HK$81,323
+HK$4,072/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$154,502/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,227,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,056
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$81,515
−HK$2,499/mo
Today · 4.125%
HK$84,014
baseline
▲ 0.50% · 4.625%
HK$89,126
+HK$5,112/mo
Deposit HK$11.56M · loan HK$17.33M · min. income ≈ HK$168,028/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,227,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,949
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$90,308
−HK$2,393/mo
Today · 4.125%
HK$92,701
baseline
▲ 0.50% · 4.625%
HK$97,587
+HK$4,886/mo
Deposit HK$11.56M · loan HK$17.33M · min. income ≈ HK$185,402/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,227,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,232
−HK$5,784/mo
▼ 0.25% · 3.875%
HK$95,101
−HK$2,915/mo
Today · 4.125%
HK$98,016
baseline
▲ 0.50% · 4.625%
HK$103,980
+HK$5,964/mo
Deposit HK$8.67M · loan HK$20.22M · min. income ≈ HK$196,032/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,227,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,607
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$105,359
−HK$2,792/mo
Today · 4.125%
HK$108,151
baseline
▲ 0.50% · 4.625%
HK$113,852
+HK$5,701/mo
Deposit HK$8.67M · loan HK$20.22M · min. income ≈ HK$216,302/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,227,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,584
−HK$7,436/mo
▼ 0.25% · 3.875%
HK$122,273
−HK$3,747/mo
Today · 4.125%
HK$126,020
baseline
▲ 0.50% · 4.625%
HK$133,688
+HK$7,668/mo
Deposit HK$2.89M · loan HK$26.00M · min. income ≈ HK$252,040/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,227,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,924
−HK$7,127/mo
▼ 0.25% · 3.875%
HK$135,462
−HK$3,589/mo
Today · 4.125%
HK$139,051
baseline
▲ 0.50% · 4.625%
HK$146,381
+HK$7,330/mo
Deposit HK$2.89M · loan HK$26.00M · min. income ≈ HK$278,102/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,227,890 · Scale 2, in force from 26 Feb 2026)