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$65,993
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$68,046
−HK$2,085/mo
Today · 4.125%
HK$70,131
baseline
▲ 0.50% · 4.625%
HK$74,399
+HK$4,268/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$140,262/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,229,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,416
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$75,385
−HK$1,998/mo
Today · 4.125%
HK$77,383
baseline
▲ 0.50% · 4.625%
HK$81,462
+HK$4,079/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$154,766/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,229,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,192
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$81,655
−HK$2,503/mo
Today · 4.125%
HK$84,158
baseline
▲ 0.50% · 4.625%
HK$89,278
+HK$5,120/mo
Deposit HK$11.58M · loan HK$17.36M · min. income ≈ HK$168,316/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,229,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,100
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$90,463
−HK$2,397/mo
Today · 4.125%
HK$92,860
baseline
▲ 0.50% · 4.625%
HK$97,754
+HK$4,894/mo
Deposit HK$11.58M · loan HK$17.36M · min. income ≈ HK$185,720/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,229,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,390
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$95,264
−HK$2,920/mo
Today · 4.125%
HK$98,184
baseline
▲ 0.50% · 4.625%
HK$104,158
+HK$5,974/mo
Deposit HK$8.68M · loan HK$20.26M · min. income ≈ HK$196,368/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,783
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$105,540
−HK$2,796/mo
Today · 4.125%
HK$108,336
baseline
▲ 0.50% · 4.625%
HK$114,047
+HK$5,711/mo
Deposit HK$8.68M · loan HK$20.26M · min. income ≈ HK$216,672/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,787
−HK$7,449/mo
▼ 0.25% · 3.875%
HK$122,482
−HK$3,754/mo
Today · 4.125%
HK$126,236
baseline
▲ 0.50% · 4.625%
HK$133,917
+HK$7,681/mo
Deposit HK$2.89M · loan HK$26.05M · min. income ≈ HK$252,472/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,150
−HK$7,139/mo
▼ 0.25% · 3.875%
HK$135,694
−HK$3,595/mo
Today · 4.125%
HK$139,289
baseline
▲ 0.50% · 4.625%
HK$146,631
+HK$7,342/mo
Deposit HK$2.89M · loan HK$26.05M · min. income ≈ HK$278,578/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,993 · Scale 2, in force from 26 Feb 2026)