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$65,870
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$67,919
−HK$2,082/mo
Today · 4.125%
HK$70,001
baseline
▲ 0.50% · 4.625%
HK$74,260
+HK$4,259/mo
Deposit HK$14.44M · loan HK$14.44M · min. income ≈ HK$140,002/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,227,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,280
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$75,245
−HK$1,994/mo
Today · 4.125%
HK$77,239
baseline
▲ 0.50% · 4.625%
HK$81,310
+HK$4,071/mo
Deposit HK$14.44M · loan HK$14.44M · min. income ≈ HK$154,478/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,227,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,044
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$81,503
−HK$2,498/mo
Today · 4.125%
HK$84,001
baseline
▲ 0.50% · 4.625%
HK$89,112
+HK$5,111/mo
Deposit HK$11.55M · loan HK$17.33M · min. income ≈ HK$168,002/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,227,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,936
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$90,294
−HK$2,393/mo
Today · 4.125%
HK$92,687
baseline
▲ 0.50% · 4.625%
HK$97,572
+HK$4,885/mo
Deposit HK$11.55M · loan HK$17.33M · min. income ≈ HK$185,374/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,227,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,218
−HK$5,783/mo
▼ 0.25% · 3.875%
HK$95,087
−HK$2,914/mo
Today · 4.125%
HK$98,001
baseline
▲ 0.50% · 4.625%
HK$103,964
+HK$5,963/mo
Deposit HK$8.67M · loan HK$20.22M · min. income ≈ HK$196,002/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$1,227,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,592
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$105,343
−HK$2,792/mo
Today · 4.125%
HK$108,135
baseline
▲ 0.50% · 4.625%
HK$113,834
+HK$5,699/mo
Deposit HK$8.67M · loan HK$20.22M · min. income ≈ HK$216,270/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$1,227,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,566
−HK$7,435/mo
▼ 0.25% · 3.875%
HK$122,254
−HK$3,747/mo
Today · 4.125%
HK$126,001
baseline
▲ 0.50% · 4.625%
HK$133,668
+HK$7,667/mo
Deposit HK$2.89M · loan HK$26.00M · min. income ≈ HK$252,002/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,227,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,904
−HK$7,126/mo
▼ 0.25% · 3.875%
HK$135,441
−HK$3,589/mo
Today · 4.125%
HK$139,030
baseline
▲ 0.50% · 4.625%
HK$146,359
+HK$7,329/mo
Deposit HK$2.89M · loan HK$26.00M · min. income ≈ HK$278,060/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,227,705 · Scale 2, in force from 26 Feb 2026)