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$66,077
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$68,132
−HK$2,088/mo
Today · 4.125%
HK$70,220
baseline
▲ 0.50% · 4.625%
HK$74,493
+HK$4,273/mo
Deposit HK$14.49M · loan HK$14.49M · min. income ≈ HK$140,440/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,231,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,510
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$75,481
−HK$2,000/mo
Today · 4.125%
HK$77,481
baseline
▲ 0.50% · 4.625%
HK$81,565
+HK$4,084/mo
Deposit HK$14.49M · loan HK$14.49M · min. income ≈ HK$154,962/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,231,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,292
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$81,759
−HK$2,505/mo
Today · 4.125%
HK$84,264
baseline
▲ 0.50% · 4.625%
HK$89,392
+HK$5,128/mo
Deposit HK$11.59M · loan HK$17.39M · min. income ≈ HK$168,528/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,231,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,212
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$90,578
−HK$2,400/mo
Today · 4.125%
HK$92,978
baseline
▲ 0.50% · 4.625%
HK$97,879
+HK$4,901/mo
Deposit HK$11.59M · loan HK$17.39M · min. income ≈ HK$185,956/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,231,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,508
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$95,385
−HK$2,924/mo
Today · 4.125%
HK$98,309
baseline
▲ 0.50% · 4.625%
HK$104,290
+HK$5,981/mo
Deposit HK$8.69M · loan HK$20.28M · min. income ≈ HK$196,618/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,231,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,914
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$105,674
−HK$2,800/mo
Today · 4.125%
HK$108,474
baseline
▲ 0.50% · 4.625%
HK$114,192
+HK$5,718/mo
Deposit HK$8.69M · loan HK$20.28M · min. income ≈ HK$216,948/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,231,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,938
−HK$7,459/mo
▼ 0.25% · 3.875%
HK$122,638
−HK$3,759/mo
Today · 4.125%
HK$126,397
baseline
▲ 0.50% · 4.625%
HK$134,088
+HK$7,691/mo
Deposit HK$2.90M · loan HK$26.08M · min. income ≈ HK$252,794/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,231,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,318
−HK$7,148/mo
▼ 0.25% · 3.875%
HK$135,866
−HK$3,600/mo
Today · 4.125%
HK$139,466
baseline
▲ 0.50% · 4.625%
HK$146,818
+HK$7,352/mo
Deposit HK$2.90M · loan HK$26.08M · min. income ≈ HK$278,932/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,231,557 · Scale 2, in force from 26 Feb 2026)