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$65,959
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$68,011
−HK$2,084/mo
Today · 4.125%
HK$70,095
baseline
▲ 0.50% · 4.625%
HK$74,360
+HK$4,265/mo
Deposit HK$14.46M · loan HK$14.46M · min. income ≈ HK$140,190/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,229,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,379
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,347
−HK$1,996/mo
Today · 4.125%
HK$77,343
baseline
▲ 0.50% · 4.625%
HK$81,420
+HK$4,077/mo
Deposit HK$14.46M · loan HK$14.46M · min. income ≈ HK$154,686/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,229,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,151
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$81,613
−HK$2,501/mo
Today · 4.125%
HK$84,114
baseline
▲ 0.50% · 4.625%
HK$89,232
+HK$5,118/mo
Deposit HK$11.57M · loan HK$17.36M · min. income ≈ HK$168,228/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,054
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$90,416
−HK$2,396/mo
Today · 4.125%
HK$92,812
baseline
▲ 0.50% · 4.625%
HK$97,704
+HK$4,892/mo
Deposit HK$11.57M · loan HK$17.36M · min. income ≈ HK$185,624/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,342
−HK$5,791/mo
▼ 0.25% · 3.875%
HK$95,215
−HK$2,918/mo
Today · 4.125%
HK$98,133
baseline
▲ 0.50% · 4.625%
HK$104,104
+HK$5,971/mo
Deposit HK$8.68M · loan HK$20.25M · min. income ≈ HK$196,266/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,730
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$105,485
−HK$2,795/mo
Today · 4.125%
HK$108,280
baseline
▲ 0.50% · 4.625%
HK$113,988
+HK$5,708/mo
Deposit HK$8.68M · loan HK$20.25M · min. income ≈ HK$216,560/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,726
−HK$7,445/mo
▼ 0.25% · 3.875%
HK$122,419
−HK$3,752/mo
Today · 4.125%
HK$126,171
baseline
▲ 0.50% · 4.625%
HK$133,848
+HK$7,677/mo
Deposit HK$2.89M · loan HK$26.03M · min. income ≈ HK$252,342/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,081
−HK$7,136/mo
▼ 0.25% · 3.875%
HK$135,624
−HK$3,593/mo
Today · 4.125%
HK$139,217
baseline
▲ 0.50% · 4.625%
HK$146,556
+HK$7,339/mo
Deposit HK$2.89M · loan HK$26.03M · min. income ≈ HK$278,434/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,358 · Scale 2, in force from 26 Feb 2026)