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$66,023
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$68,077
−HK$2,086/mo
Today · 4.125%
HK$70,163
baseline
▲ 0.50% · 4.625%
HK$74,433
+HK$4,270/mo
Deposit HK$14.48M · loan HK$14.48M · min. income ≈ HK$140,326/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,230,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,450
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$75,420
−HK$1,998/mo
Today · 4.125%
HK$77,418
baseline
▲ 0.50% · 4.625%
HK$81,499
+HK$4,081/mo
Deposit HK$14.48M · loan HK$14.48M · min. income ≈ HK$154,836/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,230,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,228
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$81,692
−HK$2,504/mo
Today · 4.125%
HK$84,196
baseline
▲ 0.50% · 4.625%
HK$89,319
+HK$5,123/mo
Deposit HK$11.58M · loan HK$17.37M · min. income ≈ HK$168,392/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,230,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,140
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$90,504
−HK$2,398/mo
Today · 4.125%
HK$92,902
baseline
▲ 0.50% · 4.625%
HK$97,799
+HK$4,897/mo
Deposit HK$11.58M · loan HK$17.37M · min. income ≈ HK$185,804/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,230,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,433
−HK$5,796/mo
▼ 0.25% · 3.875%
HK$95,308
−HK$2,921/mo
Today · 4.125%
HK$98,229
baseline
▲ 0.50% · 4.625%
HK$104,206
+HK$5,977/mo
Deposit HK$8.69M · loan HK$20.27M · min. income ≈ HK$196,458/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,230,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,830
−HK$5,556/mo
▼ 0.25% · 3.875%
HK$105,588
−HK$2,798/mo
Today · 4.125%
HK$108,386
baseline
▲ 0.50% · 4.625%
HK$114,099
+HK$5,713/mo
Deposit HK$8.69M · loan HK$20.27M · min. income ≈ HK$216,772/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,230,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,842
−HK$7,452/mo
▼ 0.25% · 3.875%
HK$122,538
−HK$3,756/mo
Today · 4.125%
HK$126,294
baseline
▲ 0.50% · 4.625%
HK$133,979
+HK$7,685/mo
Deposit HK$2.90M · loan HK$26.06M · min. income ≈ HK$252,588/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,230,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,210
−HK$7,143/mo
▼ 0.25% · 3.875%
HK$135,756
−HK$3,597/mo
Today · 4.125%
HK$139,353
baseline
▲ 0.50% · 4.625%
HK$146,699
+HK$7,346/mo
Deposit HK$2.90M · loan HK$26.06M · min. income ≈ HK$278,706/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,230,558 · Scale 2, in force from 26 Feb 2026)