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$65,980
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$68,033
−HK$2,085/mo
Today · 4.125%
HK$70,118
baseline
▲ 0.50% · 4.625%
HK$74,384
+HK$4,266/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$140,236/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,229,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,402
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$75,371
−HK$1,997/mo
Today · 4.125%
HK$77,368
baseline
▲ 0.50% · 4.625%
HK$81,446
+HK$4,078/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$154,736/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,229,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,176
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$81,639
−HK$2,502/mo
Today · 4.125%
HK$84,141
baseline
▲ 0.50% · 4.625%
HK$89,261
+HK$5,120/mo
Deposit HK$11.57M · loan HK$17.36M · min. income ≈ HK$168,282/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,083
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$90,445
−HK$2,397/mo
Today · 4.125%
HK$92,842
baseline
▲ 0.50% · 4.625%
HK$97,735
+HK$4,893/mo
Deposit HK$11.57M · loan HK$17.36M · min. income ≈ HK$185,684/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,372
−HK$5,793/mo
▼ 0.25% · 3.875%
HK$95,246
−HK$2,919/mo
Today · 4.125%
HK$98,165
baseline
▲ 0.50% · 4.625%
HK$104,138
+HK$5,973/mo
Deposit HK$8.68M · loan HK$20.25M · min. income ≈ HK$196,330/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,763
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$105,519
−HK$2,796/mo
Today · 4.125%
HK$108,315
baseline
▲ 0.50% · 4.625%
HK$114,025
+HK$5,710/mo
Deposit HK$8.68M · loan HK$20.25M · min. income ≈ HK$216,630/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,764
−HK$7,448/mo
▼ 0.25% · 3.875%
HK$122,459
−HK$3,753/mo
Today · 4.125%
HK$126,212
baseline
▲ 0.50% · 4.625%
HK$133,892
+HK$7,680/mo
Deposit HK$2.89M · loan HK$26.04M · min. income ≈ HK$252,424/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,124
−HK$7,138/mo
▼ 0.25% · 3.875%
HK$135,668
−HK$3,594/mo
Today · 4.125%
HK$139,262
baseline
▲ 0.50% · 4.625%
HK$146,603
+HK$7,341/mo
Deposit HK$2.89M · loan HK$26.04M · min. income ≈ HK$278,524/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,757 · Scale 2, in force from 26 Feb 2026)