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$66,020
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$68,073
−HK$2,087/mo
Today · 4.125%
HK$70,160
baseline
▲ 0.50% · 4.625%
HK$74,429
+HK$4,269/mo
Deposit HK$14.48M · loan HK$14.48M · min. income ≈ HK$140,320/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,230,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,446
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$75,416
−HK$1,998/mo
Today · 4.125%
HK$77,414
baseline
▲ 0.50% · 4.625%
HK$81,495
+HK$4,081/mo
Deposit HK$14.48M · loan HK$14.48M · min. income ≈ HK$154,828/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,230,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,224
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$81,688
−HK$2,504/mo
Today · 4.125%
HK$84,192
baseline
▲ 0.50% · 4.625%
HK$89,314
+HK$5,122/mo
Deposit HK$11.58M · loan HK$17.37M · min. income ≈ HK$168,384/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,230,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,135
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$90,499
−HK$2,398/mo
Today · 4.125%
HK$92,897
baseline
▲ 0.50% · 4.625%
HK$97,794
+HK$4,897/mo
Deposit HK$11.58M · loan HK$17.37M · min. income ≈ HK$185,794/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,230,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,427
−HK$5,796/mo
▼ 0.25% · 3.875%
HK$95,302
−HK$2,921/mo
Today · 4.125%
HK$98,223
baseline
▲ 0.50% · 4.625%
HK$104,200
+HK$5,977/mo
Deposit HK$8.69M · loan HK$20.27M · min. income ≈ HK$196,446/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,230,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,825
−HK$5,555/mo
▼ 0.25% · 3.875%
HK$105,582
−HK$2,798/mo
Today · 4.125%
HK$108,380
baseline
▲ 0.50% · 4.625%
HK$114,093
+HK$5,713/mo
Deposit HK$8.69M · loan HK$20.27M · min. income ≈ HK$216,760/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,230,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,835
−HK$7,452/mo
▼ 0.25% · 3.875%
HK$122,532
−HK$3,755/mo
Today · 4.125%
HK$126,287
baseline
▲ 0.50% · 4.625%
HK$133,972
+HK$7,685/mo
Deposit HK$2.90M · loan HK$26.06M · min. income ≈ HK$252,574/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,230,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,203
−HK$7,143/mo
▼ 0.25% · 3.875%
HK$135,749
−HK$3,597/mo
Today · 4.125%
HK$139,346
baseline
▲ 0.50% · 4.625%
HK$146,691
+HK$7,345/mo
Deposit HK$2.90M · loan HK$26.06M · min. income ≈ HK$278,692/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,230,491 · Scale 2, in force from 26 Feb 2026)