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$65,927
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$67,978
−HK$2,083/mo
Today · 4.125%
HK$70,061
baseline
▲ 0.50% · 4.625%
HK$74,324
+HK$4,263/mo
Deposit HK$14.46M · loan HK$14.46M · min. income ≈ HK$140,122/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,228,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,343
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$75,310
−HK$1,996/mo
Today · 4.125%
HK$77,306
baseline
▲ 0.50% · 4.625%
HK$81,380
+HK$4,074/mo
Deposit HK$14.46M · loan HK$14.46M · min. income ≈ HK$154,612/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,228,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,112
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$81,573
−HK$2,500/mo
Today · 4.125%
HK$84,073
baseline
▲ 0.50% · 4.625%
HK$89,189
+HK$5,116/mo
Deposit HK$11.56M · loan HK$17.35M · min. income ≈ HK$168,146/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,228,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,012
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$90,372
−HK$2,395/mo
Today · 4.125%
HK$92,767
baseline
▲ 0.50% · 4.625%
HK$97,657
+HK$4,890/mo
Deposit HK$11.56M · loan HK$17.35M · min. income ≈ HK$185,534/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,228,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,298
−HK$5,788/mo
▼ 0.25% · 3.875%
HK$95,169
−HK$2,917/mo
Today · 4.125%
HK$98,086
baseline
▲ 0.50% · 4.625%
HK$104,054
+HK$5,968/mo
Deposit HK$8.67M · loan HK$20.24M · min. income ≈ HK$196,172/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,228,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,680
−HK$5,548/mo
▼ 0.25% · 3.875%
HK$105,434
−HK$2,794/mo
Today · 4.125%
HK$108,228
baseline
▲ 0.50% · 4.625%
HK$113,933
+HK$5,705/mo
Deposit HK$8.67M · loan HK$20.24M · min. income ≈ HK$216,456/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,228,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,669
−HK$7,441/mo
▼ 0.25% · 3.875%
HK$122,360
−HK$3,750/mo
Today · 4.125%
HK$126,110
baseline
▲ 0.50% · 4.625%
HK$133,784
+HK$7,674/mo
Deposit HK$2.89M · loan HK$26.02M · min. income ≈ HK$252,220/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,228,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,018
−HK$7,132/mo
▼ 0.25% · 3.875%
HK$135,558
−HK$3,592/mo
Today · 4.125%
HK$139,150
baseline
▲ 0.50% · 4.625%
HK$146,485
+HK$7,335/mo
Deposit HK$2.89M · loan HK$26.02M · min. income ≈ HK$278,300/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,228,764 · Scale 2, in force from 26 Feb 2026)