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$65,985
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$68,038
−HK$2,085/mo
Today · 4.125%
HK$70,123
baseline
▲ 0.50% · 4.625%
HK$74,390
+HK$4,267/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$140,246/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,229,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,408
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$75,377
−HK$1,997/mo
Today · 4.125%
HK$77,374
baseline
▲ 0.50% · 4.625%
HK$81,452
+HK$4,078/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$154,748/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,229,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,182
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$81,645
−HK$2,503/mo
Today · 4.125%
HK$84,148
baseline
▲ 0.50% · 4.625%
HK$89,268
+HK$5,120/mo
Deposit HK$11.58M · loan HK$17.36M · min. income ≈ HK$168,296/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,089
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$90,452
−HK$2,397/mo
Today · 4.125%
HK$92,849
baseline
▲ 0.50% · 4.625%
HK$97,743
+HK$4,894/mo
Deposit HK$11.58M · loan HK$17.36M · min. income ≈ HK$185,698/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,379
−HK$5,793/mo
▼ 0.25% · 3.875%
HK$95,253
−HK$2,919/mo
Today · 4.125%
HK$98,172
baseline
▲ 0.50% · 4.625%
HK$104,146
+HK$5,974/mo
Deposit HK$8.68M · loan HK$20.26M · min. income ≈ HK$196,344/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,771
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$105,527
−HK$2,796/mo
Today · 4.125%
HK$108,323
baseline
▲ 0.50% · 4.625%
HK$114,033
+HK$5,710/mo
Deposit HK$8.68M · loan HK$20.26M · min. income ≈ HK$216,646/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,773
−HK$7,448/mo
▼ 0.25% · 3.875%
HK$122,468
−HK$3,753/mo
Today · 4.125%
HK$126,221
baseline
▲ 0.50% · 4.625%
HK$133,902
+HK$7,681/mo
Deposit HK$2.89M · loan HK$26.04M · min. income ≈ HK$252,442/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,134
−HK$7,139/mo
▼ 0.25% · 3.875%
HK$135,678
−HK$3,595/mo
Today · 4.125%
HK$139,273
baseline
▲ 0.50% · 4.625%
HK$146,614
+HK$7,341/mo
Deposit HK$2.89M · loan HK$26.04M · min. income ≈ HK$278,546/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,849 · Scale 2, in force from 26 Feb 2026)