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$65,930
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$67,981
−HK$2,084/mo
Today · 4.125%
HK$70,065
baseline
▲ 0.50% · 4.625%
HK$74,328
+HK$4,263/mo
Deposit HK$14.46M · loan HK$14.46M · min. income ≈ HK$140,130/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,228,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,347
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$75,314
−HK$1,995/mo
Today · 4.125%
HK$77,309
baseline
▲ 0.50% · 4.625%
HK$81,384
+HK$4,075/mo
Deposit HK$14.46M · loan HK$14.46M · min. income ≈ HK$154,618/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,228,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,116
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$81,577
−HK$2,500/mo
Today · 4.125%
HK$84,077
baseline
▲ 0.50% · 4.625%
HK$89,193
+HK$5,116/mo
Deposit HK$11.57M · loan HK$17.35M · min. income ≈ HK$168,154/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,228,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,016
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$90,377
−HK$2,394/mo
Today · 4.125%
HK$92,771
baseline
▲ 0.50% · 4.625%
HK$97,661
+HK$4,890/mo
Deposit HK$11.57M · loan HK$17.35M · min. income ≈ HK$185,542/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,228,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,302
−HK$5,788/mo
▼ 0.25% · 3.875%
HK$95,173
−HK$2,917/mo
Today · 4.125%
HK$98,090
baseline
▲ 0.50% · 4.625%
HK$104,059
+HK$5,969/mo
Deposit HK$8.67M · loan HK$20.24M · min. income ≈ HK$196,180/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,228,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,685
−HK$5,548/mo
▼ 0.25% · 3.875%
HK$105,439
−HK$2,794/mo
Today · 4.125%
HK$108,233
baseline
▲ 0.50% · 4.625%
HK$113,938
+HK$5,705/mo
Deposit HK$8.67M · loan HK$20.24M · min. income ≈ HK$216,466/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,228,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,674
−HK$7,442/mo
▼ 0.25% · 3.875%
HK$122,366
−HK$3,750/mo
Today · 4.125%
HK$126,116
baseline
▲ 0.50% · 4.625%
HK$133,790
+HK$7,674/mo
Deposit HK$2.89M · loan HK$26.02M · min. income ≈ HK$252,232/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,228,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,024
−HK$7,133/mo
▼ 0.25% · 3.875%
HK$135,565
−HK$3,592/mo
Today · 4.125%
HK$139,157
baseline
▲ 0.50% · 4.625%
HK$146,492
+HK$7,335/mo
Deposit HK$2.89M · loan HK$26.02M · min. income ≈ HK$278,314/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,228,824 · Scale 2, in force from 26 Feb 2026)