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$66,089
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$68,145
−HK$2,089/mo
Today · 4.125%
HK$70,234
baseline
▲ 0.50% · 4.625%
HK$74,507
+HK$4,273/mo
Deposit HK$14.49M · loan HK$14.49M · min. income ≈ HK$140,468/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,231,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,524
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$75,495
−HK$2,001/mo
Today · 4.125%
HK$77,496
baseline
▲ 0.50% · 4.625%
HK$81,581
+HK$4,085/mo
Deposit HK$14.49M · loan HK$14.49M · min. income ≈ HK$154,992/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,231,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,307
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$81,774
−HK$2,506/mo
Today · 4.125%
HK$84,280
baseline
▲ 0.50% · 4.625%
HK$89,409
+HK$5,129/mo
Deposit HK$11.59M · loan HK$17.39M · min. income ≈ HK$168,560/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,231,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,228
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$90,595
−HK$2,400/mo
Today · 4.125%
HK$92,995
baseline
▲ 0.50% · 4.625%
HK$97,897
+HK$4,902/mo
Deposit HK$11.59M · loan HK$17.39M · min. income ≈ HK$185,990/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,231,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,525
−HK$5,802/mo
▼ 0.25% · 3.875%
HK$95,403
−HK$2,924/mo
Today · 4.125%
HK$98,327
baseline
▲ 0.50% · 4.625%
HK$104,310
+HK$5,983/mo
Deposit HK$8.69M · loan HK$20.29M · min. income ≈ HK$196,654/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,231,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,933
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$105,694
−HK$2,800/mo
Today · 4.125%
HK$108,494
baseline
▲ 0.50% · 4.625%
HK$114,213
+HK$5,719/mo
Deposit HK$8.69M · loan HK$20.29M · min. income ≈ HK$216,988/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,231,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,961
−HK$7,459/mo
▼ 0.25% · 3.875%
HK$122,661
−HK$3,759/mo
Today · 4.125%
HK$126,420
baseline
▲ 0.50% · 4.625%
HK$134,113
+HK$7,693/mo
Deposit HK$2.90M · loan HK$26.08M · min. income ≈ HK$252,840/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,231,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,342
−HK$7,150/mo
▼ 0.25% · 3.875%
HK$135,892
−HK$3,600/mo
Today · 4.125%
HK$139,492
baseline
▲ 0.50% · 4.625%
HK$146,845
+HK$7,353/mo
Deposit HK$2.90M · loan HK$26.08M · min. income ≈ HK$278,984/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,231,788 · Scale 2, in force from 26 Feb 2026)