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$65,879
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$67,928
−HK$2,082/mo
Today · 4.125%
HK$70,010
baseline
▲ 0.50% · 4.625%
HK$74,270
+HK$4,260/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$140,020/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,227,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,290
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$75,255
−HK$1,994/mo
Today · 4.125%
HK$77,249
baseline
▲ 0.50% · 4.625%
HK$81,321
+HK$4,072/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$154,498/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,227,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,055
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$81,514
−HK$2,498/mo
Today · 4.125%
HK$84,012
baseline
▲ 0.50% · 4.625%
HK$89,124
+HK$5,112/mo
Deposit HK$11.56M · loan HK$17.33M · min. income ≈ HK$168,024/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,227,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,948
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$90,306
−HK$2,393/mo
Today · 4.125%
HK$92,699
baseline
▲ 0.50% · 4.625%
HK$97,586
+HK$4,887/mo
Deposit HK$11.56M · loan HK$17.33M · min. income ≈ HK$185,398/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,227,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,231
−HK$5,783/mo
▼ 0.25% · 3.875%
HK$95,100
−HK$2,914/mo
Today · 4.125%
HK$98,014
baseline
▲ 0.50% · 4.625%
HK$103,978
+HK$5,964/mo
Deposit HK$8.67M · loan HK$20.22M · min. income ≈ HK$196,028/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,227,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,606
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$105,358
−HK$2,791/mo
Today · 4.125%
HK$108,149
baseline
▲ 0.50% · 4.625%
HK$113,850
+HK$5,701/mo
Deposit HK$8.67M · loan HK$20.22M · min. income ≈ HK$216,298/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,227,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,582
−HK$7,436/mo
▼ 0.25% · 3.875%
HK$122,271
−HK$3,747/mo
Today · 4.125%
HK$126,018
baseline
▲ 0.50% · 4.625%
HK$133,686
+HK$7,668/mo
Deposit HK$2.89M · loan HK$26.00M · min. income ≈ HK$252,036/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,227,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,922
−HK$7,127/mo
▼ 0.25% · 3.875%
HK$135,460
−HK$3,589/mo
Today · 4.125%
HK$139,049
baseline
▲ 0.50% · 4.625%
HK$146,378
+HK$7,329/mo
Deposit HK$2.89M · loan HK$26.00M · min. income ≈ HK$278,098/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,227,871 · Scale 2, in force from 26 Feb 2026)