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$66,007
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$68,060
−HK$2,086/mo
Today · 4.125%
HK$70,146
baseline
▲ 0.50% · 4.625%
HK$74,414
+HK$4,268/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$140,292/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,230,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,432
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$75,401
−HK$1,998/mo
Today · 4.125%
HK$77,399
baseline
▲ 0.50% · 4.625%
HK$81,479
+HK$4,080/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$154,798/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,230,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,208
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$81,672
−HK$2,503/mo
Today · 4.125%
HK$84,175
baseline
▲ 0.50% · 4.625%
HK$89,297
+HK$5,122/mo
Deposit HK$11.58M · loan HK$17.37M · min. income ≈ HK$168,350/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,230,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,118
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$90,481
−HK$2,398/mo
Today · 4.125%
HK$92,879
baseline
▲ 0.50% · 4.625%
HK$97,775
+HK$4,896/mo
Deposit HK$11.58M · loan HK$17.37M · min. income ≈ HK$185,758/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,230,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,409
−HK$5,795/mo
▼ 0.25% · 3.875%
HK$95,284
−HK$2,920/mo
Today · 4.125%
HK$98,204
baseline
▲ 0.50% · 4.625%
HK$104,180
+HK$5,976/mo
Deposit HK$8.68M · loan HK$20.26M · min. income ≈ HK$196,408/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,230,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,805
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$105,562
−HK$2,797/mo
Today · 4.125%
HK$108,359
baseline
▲ 0.50% · 4.625%
HK$114,070
+HK$5,711/mo
Deposit HK$8.68M · loan HK$20.26M · min. income ≈ HK$216,718/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,230,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,812
−HK$7,451/mo
▼ 0.25% · 3.875%
HK$122,508
−HK$3,755/mo
Today · 4.125%
HK$126,263
baseline
▲ 0.50% · 4.625%
HK$133,945
+HK$7,682/mo
Deposit HK$2.89M · loan HK$26.05M · min. income ≈ HK$252,526/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,230,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,177
−HK$7,141/mo
▼ 0.25% · 3.875%
HK$135,722
−HK$3,596/mo
Today · 4.125%
HK$139,318
baseline
▲ 0.50% · 4.625%
HK$146,662
+HK$7,344/mo
Deposit HK$2.89M · loan HK$26.05M · min. income ≈ HK$278,636/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,230,250 · Scale 2, in force from 26 Feb 2026)