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$65,944
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$67,995
−HK$2,084/mo
Today · 4.125%
HK$70,079
baseline
▲ 0.50% · 4.625%
HK$74,343
+HK$4,264/mo
Deposit HK$14.46M · loan HK$14.46M · min. income ≈ HK$140,158/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,229,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,362
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,330
−HK$1,996/mo
Today · 4.125%
HK$77,326
baseline
▲ 0.50% · 4.625%
HK$81,401
+HK$4,075/mo
Deposit HK$14.46M · loan HK$14.46M · min. income ≈ HK$154,652/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,229,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,133
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$81,594
−HK$2,501/mo
Today · 4.125%
HK$84,095
baseline
▲ 0.50% · 4.625%
HK$89,212
+HK$5,117/mo
Deposit HK$11.57M · loan HK$17.35M · min. income ≈ HK$168,190/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,034
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$90,395
−HK$2,396/mo
Today · 4.125%
HK$92,791
baseline
▲ 0.50% · 4.625%
HK$97,682
+HK$4,891/mo
Deposit HK$11.57M · loan HK$17.35M · min. income ≈ HK$185,582/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,322
−HK$5,789/mo
▼ 0.25% · 3.875%
HK$95,193
−HK$2,918/mo
Today · 4.125%
HK$98,111
baseline
▲ 0.50% · 4.625%
HK$104,081
+HK$5,970/mo
Deposit HK$8.68M · loan HK$20.24M · min. income ≈ HK$196,222/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,229,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,707
−HK$5,549/mo
▼ 0.25% · 3.875%
HK$105,461
−HK$2,795/mo
Today · 4.125%
HK$108,256
baseline
▲ 0.50% · 4.625%
HK$113,962
+HK$5,706/mo
Deposit HK$8.68M · loan HK$20.24M · min. income ≈ HK$216,512/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,229,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,699
−HK$7,444/mo
▼ 0.25% · 3.875%
HK$122,391
−HK$3,752/mo
Today · 4.125%
HK$126,143
baseline
▲ 0.50% · 4.625%
HK$133,818
+HK$7,675/mo
Deposit HK$2.89M · loan HK$26.03M · min. income ≈ HK$252,286/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,052
−HK$7,134/mo
▼ 0.25% · 3.875%
HK$135,593
−HK$3,593/mo
Today · 4.125%
HK$139,186
baseline
▲ 0.50% · 4.625%
HK$146,523
+HK$7,337/mo
Deposit HK$2.89M · loan HK$26.03M · min. income ≈ HK$278,372/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,081 · Scale 2, in force from 26 Feb 2026)