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$65,748
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$67,793
−HK$2,078/mo
Today · 4.125%
HK$69,871
baseline
▲ 0.50% · 4.625%
HK$74,122
+HK$4,251/mo
Deposit HK$14.42M · loan HK$14.42M · min. income ≈ HK$139,742/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,225,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,144
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$75,105
−HK$1,990/mo
Today · 4.125%
HK$77,095
baseline
▲ 0.50% · 4.625%
HK$81,159
+HK$4,064/mo
Deposit HK$14.42M · loan HK$14.42M · min. income ≈ HK$154,190/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,225,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,897
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$81,352
−HK$2,493/mo
Today · 4.125%
HK$83,845
baseline
▲ 0.50% · 4.625%
HK$88,947
+HK$5,102/mo
Deposit HK$11.53M · loan HK$17.30M · min. income ≈ HK$167,690/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,773
−HK$4,742/mo
▼ 0.25% · 3.875%
HK$90,127
−HK$2,388/mo
Today · 4.125%
HK$92,515
baseline
▲ 0.50% · 4.625%
HK$97,391
+HK$4,876/mo
Deposit HK$11.53M · loan HK$17.30M · min. income ≈ HK$185,030/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,047
−HK$5,772/mo
▼ 0.25% · 3.875%
HK$94,910
−HK$2,909/mo
Today · 4.125%
HK$97,819
baseline
▲ 0.50% · 4.625%
HK$103,771
+HK$5,952/mo
Deposit HK$8.65M · loan HK$20.18M · min. income ≈ HK$195,638/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,225,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,401
−HK$5,533/mo
▼ 0.25% · 3.875%
HK$105,148
−HK$2,786/mo
Today · 4.125%
HK$107,934
baseline
▲ 0.50% · 4.625%
HK$113,623
+HK$5,689/mo
Deposit HK$8.65M · loan HK$20.18M · min. income ≈ HK$215,868/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,225,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,346
−HK$7,421/mo
▼ 0.25% · 3.875%
HK$122,027
−HK$3,740/mo
Today · 4.125%
HK$125,767
baseline
▲ 0.50% · 4.625%
HK$133,420
+HK$7,653/mo
Deposit HK$2.88M · loan HK$25.95M · min. income ≈ HK$251,534/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,659
−HK$7,113/mo
▼ 0.25% · 3.875%
HK$135,190
−HK$3,582/mo
Today · 4.125%
HK$138,772
baseline
▲ 0.50% · 4.625%
HK$146,087
+HK$7,315/mo
Deposit HK$2.88M · loan HK$25.95M · min. income ≈ HK$277,544/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,425 · Scale 2, in force from 26 Feb 2026)