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$65,921
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$67,972
−HK$2,083/mo
Today · 4.125%
HK$70,055
baseline
▲ 0.50% · 4.625%
HK$74,318
+HK$4,263/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$140,110/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,228,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,337
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$75,304
−HK$1,995/mo
Today · 4.125%
HK$77,299
baseline
▲ 0.50% · 4.625%
HK$81,373
+HK$4,074/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$154,598/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,228,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,105
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$81,566
−HK$2,500/mo
Today · 4.125%
HK$84,066
baseline
▲ 0.50% · 4.625%
HK$89,181
+HK$5,115/mo
Deposit HK$11.56M · loan HK$17.35M · min. income ≈ HK$168,132/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,228,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,004
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$90,364
−HK$2,395/mo
Today · 4.125%
HK$92,759
baseline
▲ 0.50% · 4.625%
HK$97,648
+HK$4,889/mo
Deposit HK$11.56M · loan HK$17.35M · min. income ≈ HK$185,518/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,228,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,290
−HK$5,787/mo
▼ 0.25% · 3.875%
HK$95,160
−HK$2,917/mo
Today · 4.125%
HK$98,077
baseline
▲ 0.50% · 4.625%
HK$104,045
+HK$5,968/mo
Deposit HK$8.67M · loan HK$20.24M · min. income ≈ HK$196,154/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,228,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,671
−HK$5,547/mo
▼ 0.25% · 3.875%
HK$105,425
−HK$2,793/mo
Today · 4.125%
HK$108,218
baseline
▲ 0.50% · 4.625%
HK$113,923
+HK$5,705/mo
Deposit HK$8.67M · loan HK$20.24M · min. income ≈ HK$216,436/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,228,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,658
−HK$7,441/mo
▼ 0.25% · 3.875%
HK$122,349
−HK$3,750/mo
Today · 4.125%
HK$126,099
baseline
▲ 0.50% · 4.625%
HK$133,772
+HK$7,673/mo
Deposit HK$2.89M · loan HK$26.02M · min. income ≈ HK$252,198/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,228,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,006
−HK$7,132/mo
▼ 0.25% · 3.875%
HK$135,546
−HK$3,592/mo
Today · 4.125%
HK$139,138
baseline
▲ 0.50% · 4.625%
HK$146,472
+HK$7,334/mo
Deposit HK$2.89M · loan HK$26.02M · min. income ≈ HK$278,276/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,228,657 · Scale 2, in force from 26 Feb 2026)