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$65,408
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$67,443
−HK$2,067/mo
Today · 4.125%
HK$69,510
baseline
▲ 0.50% · 4.625%
HK$73,739
+HK$4,229/mo
Deposit HK$14.34M · loan HK$14.34M · min. income ≈ HK$139,020/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,219,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,766
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$74,717
−HK$1,980/mo
Today · 4.125%
HK$76,697
baseline
▲ 0.50% · 4.625%
HK$80,740
+HK$4,043/mo
Deposit HK$14.34M · loan HK$14.34M · min. income ≈ HK$153,394/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,219,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,490
−HK$4,922/mo
▼ 0.25% · 3.875%
HK$80,931
−HK$2,481/mo
Today · 4.125%
HK$83,412
baseline
▲ 0.50% · 4.625%
HK$88,487
+HK$5,075/mo
Deposit HK$11.47M · loan HK$17.21M · min. income ≈ HK$166,824/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,219,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,319
−HK$4,717/mo
▼ 0.25% · 3.875%
HK$89,661
−HK$2,375/mo
Today · 4.125%
HK$92,036
baseline
▲ 0.50% · 4.625%
HK$96,888
+HK$4,852/mo
Deposit HK$11.47M · loan HK$17.21M · min. income ≈ HK$184,072/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,219,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,571
−HK$5,742/mo
▼ 0.25% · 3.875%
HK$94,420
−HK$2,893/mo
Today · 4.125%
HK$97,313
baseline
▲ 0.50% · 4.625%
HK$103,235
+HK$5,922/mo
Deposit HK$8.61M · loan HK$20.08M · min. income ≈ HK$194,626/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$1,219,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,872
−HK$5,504/mo
▼ 0.25% · 3.875%
HK$104,604
−HK$2,772/mo
Today · 4.125%
HK$107,376
baseline
▲ 0.50% · 4.625%
HK$113,036
+HK$5,660/mo
Deposit HK$8.61M · loan HK$20.08M · min. income ≈ HK$214,752/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$1,219,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,734
−HK$7,383/mo
▼ 0.25% · 3.875%
HK$121,397
−HK$3,720/mo
Today · 4.125%
HK$125,117
baseline
▲ 0.50% · 4.625%
HK$132,730
+HK$7,613/mo
Deposit HK$2.87M · loan HK$25.82M · min. income ≈ HK$250,234/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,978
−HK$7,077/mo
▼ 0.25% · 3.875%
HK$134,491
−HK$3,564/mo
Today · 4.125%
HK$138,055
baseline
▲ 0.50% · 4.625%
HK$145,332
+HK$7,277/mo
Deposit HK$2.87M · loan HK$25.82M · min. income ≈ HK$276,110/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,091 · Scale 2, in force from 26 Feb 2026)