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$65,911
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$67,961
−HK$2,083/mo
Today · 4.125%
HK$70,044
baseline
▲ 0.50% · 4.625%
HK$74,306
+HK$4,262/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$140,088/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,228,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,325
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$75,292
−HK$1,995/mo
Today · 4.125%
HK$77,287
baseline
▲ 0.50% · 4.625%
HK$81,361
+HK$4,074/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$154,574/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,228,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,093
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$81,553
−HK$2,500/mo
Today · 4.125%
HK$84,053
baseline
▲ 0.50% · 4.625%
HK$89,167
+HK$5,114/mo
Deposit HK$11.56M · loan HK$17.34M · min. income ≈ HK$168,106/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,228,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,990
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$90,350
−HK$2,394/mo
Today · 4.125%
HK$92,744
baseline
▲ 0.50% · 4.625%
HK$97,633
+HK$4,889/mo
Deposit HK$11.56M · loan HK$17.34M · min. income ≈ HK$185,488/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,228,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,275
−HK$5,787/mo
▼ 0.25% · 3.875%
HK$95,146
−HK$2,916/mo
Today · 4.125%
HK$98,062
baseline
▲ 0.50% · 4.625%
HK$104,029
+HK$5,967/mo
Deposit HK$8.67M · loan HK$20.23M · min. income ≈ HK$196,124/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,228,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,655
−HK$5,547/mo
▼ 0.25% · 3.875%
HK$105,409
−HK$2,793/mo
Today · 4.125%
HK$108,202
baseline
▲ 0.50% · 4.625%
HK$113,905
+HK$5,703/mo
Deposit HK$8.67M · loan HK$20.23M · min. income ≈ HK$216,404/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,228,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,640
−HK$7,440/mo
▼ 0.25% · 3.875%
HK$122,330
−HK$3,750/mo
Today · 4.125%
HK$126,080
baseline
▲ 0.50% · 4.625%
HK$133,751
+HK$7,671/mo
Deposit HK$2.89M · loan HK$26.01M · min. income ≈ HK$252,160/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,228,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,986
−HK$7,130/mo
▼ 0.25% · 3.875%
HK$135,525
−HK$3,591/mo
Today · 4.125%
HK$139,116
baseline
▲ 0.50% · 4.625%
HK$146,449
+HK$7,333/mo
Deposit HK$2.89M · loan HK$26.01M · min. income ≈ HK$278,232/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,228,467 · Scale 2, in force from 26 Feb 2026)