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$65,951
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$68,003
−HK$2,084/mo
Today · 4.125%
HK$70,087
baseline
▲ 0.50% · 4.625%
HK$74,352
+HK$4,265/mo
Deposit HK$14.46M · loan HK$14.46M · min. income ≈ HK$140,174/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,229,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,370
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,338
−HK$1,996/mo
Today · 4.125%
HK$77,334
baseline
▲ 0.50% · 4.625%
HK$81,411
+HK$4,077/mo
Deposit HK$14.46M · loan HK$14.46M · min. income ≈ HK$154,668/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,229,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,142
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$81,603
−HK$2,501/mo
Today · 4.125%
HK$84,104
baseline
▲ 0.50% · 4.625%
HK$89,222
+HK$5,118/mo
Deposit HK$11.57M · loan HK$17.35M · min. income ≈ HK$168,208/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,044
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$90,406
−HK$2,395/mo
Today · 4.125%
HK$92,801
baseline
▲ 0.50% · 4.625%
HK$97,693
+HK$4,892/mo
Deposit HK$11.57M · loan HK$17.35M · min. income ≈ HK$185,602/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,332
−HK$5,790/mo
▼ 0.25% · 3.875%
HK$95,204
−HK$2,918/mo
Today · 4.125%
HK$98,122
baseline
▲ 0.50% · 4.625%
HK$104,092
+HK$5,970/mo
Deposit HK$8.68M · loan HK$20.25M · min. income ≈ HK$196,244/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,718
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$105,473
−HK$2,795/mo
Today · 4.125%
HK$108,268
baseline
▲ 0.50% · 4.625%
HK$113,975
+HK$5,707/mo
Deposit HK$8.68M · loan HK$20.25M · min. income ≈ HK$216,536/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,712
−HK$7,445/mo
▼ 0.25% · 3.875%
HK$122,405
−HK$3,752/mo
Today · 4.125%
HK$126,157
baseline
▲ 0.50% · 4.625%
HK$133,833
+HK$7,676/mo
Deposit HK$2.89M · loan HK$26.03M · min. income ≈ HK$252,314/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,066
−HK$7,135/mo
▼ 0.25% · 3.875%
HK$135,608
−HK$3,593/mo
Today · 4.125%
HK$139,201
baseline
▲ 0.50% · 4.625%
HK$146,539
+HK$7,338/mo
Deposit HK$2.89M · loan HK$26.03M · min. income ≈ HK$278,402/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,218 · Scale 2, in force from 26 Feb 2026)