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$65,918
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$67,969
−HK$2,083/mo
Today · 4.125%
HK$70,052
baseline
▲ 0.50% · 4.625%
HK$74,314
+HK$4,262/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$140,104/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,228,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,333
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$75,300
−HK$1,995/mo
Today · 4.125%
HK$77,295
baseline
▲ 0.50% · 4.625%
HK$81,370
+HK$4,075/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$154,590/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,228,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,102
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$81,562
−HK$2,500/mo
Today · 4.125%
HK$84,062
baseline
▲ 0.50% · 4.625%
HK$89,177
+HK$5,115/mo
Deposit HK$11.56M · loan HK$17.34M · min. income ≈ HK$168,124/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,228,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,000
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$90,360
−HK$2,394/mo
Today · 4.125%
HK$92,754
baseline
▲ 0.50% · 4.625%
HK$97,644
+HK$4,890/mo
Deposit HK$11.56M · loan HK$17.34M · min. income ≈ HK$185,508/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,228,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,286
−HK$5,787/mo
▼ 0.25% · 3.875%
HK$95,156
−HK$2,917/mo
Today · 4.125%
HK$98,073
baseline
▲ 0.50% · 4.625%
HK$104,040
+HK$5,967/mo
Deposit HK$8.67M · loan HK$20.24M · min. income ≈ HK$196,146/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,228,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,667
−HK$5,546/mo
▼ 0.25% · 3.875%
HK$105,420
−HK$2,793/mo
Today · 4.125%
HK$108,213
baseline
▲ 0.50% · 4.625%
HK$113,918
+HK$5,705/mo
Deposit HK$8.67M · loan HK$20.24M · min. income ≈ HK$216,426/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,228,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,653
−HK$7,440/mo
▼ 0.25% · 3.875%
HK$122,344
−HK$3,749/mo
Today · 4.125%
HK$126,093
baseline
▲ 0.50% · 4.625%
HK$133,766
+HK$7,673/mo
Deposit HK$2.89M · loan HK$26.02M · min. income ≈ HK$252,186/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,228,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,000
−HK$7,132/mo
▼ 0.25% · 3.875%
HK$135,540
−HK$3,592/mo
Today · 4.125%
HK$139,132
baseline
▲ 0.50% · 4.625%
HK$146,465
+HK$7,333/mo
Deposit HK$2.89M · loan HK$26.02M · min. income ≈ HK$278,264/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,228,601 · Scale 2, in force from 26 Feb 2026)