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$65,412
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$67,446
−HK$2,068/mo
Today · 4.125%
HK$69,514
baseline
▲ 0.50% · 4.625%
HK$73,743
+HK$4,229/mo
Deposit HK$14.34M · loan HK$14.34M · min. income ≈ HK$139,028/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,219,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,770
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$74,722
−HK$1,979/mo
Today · 4.125%
HK$76,701
baseline
▲ 0.50% · 4.625%
HK$80,744
+HK$4,043/mo
Deposit HK$14.34M · loan HK$14.34M · min. income ≈ HK$153,402/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,219,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,494
−HK$4,922/mo
▼ 0.25% · 3.875%
HK$80,936
−HK$2,480/mo
Today · 4.125%
HK$83,416
baseline
▲ 0.50% · 4.625%
HK$88,492
+HK$5,076/mo
Deposit HK$11.47M · loan HK$17.21M · min. income ≈ HK$166,832/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,219,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,324
−HK$4,718/mo
▼ 0.25% · 3.875%
HK$89,666
−HK$2,376/mo
Today · 4.125%
HK$92,042
baseline
▲ 0.50% · 4.625%
HK$96,893
+HK$4,851/mo
Deposit HK$11.47M · loan HK$17.21M · min. income ≈ HK$184,084/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,219,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,576
−HK$5,743/mo
▼ 0.25% · 3.875%
HK$94,425
−HK$2,894/mo
Today · 4.125%
HK$97,319
baseline
▲ 0.50% · 4.625%
HK$103,241
+HK$5,922/mo
Deposit HK$8.61M · loan HK$20.08M · min. income ≈ HK$194,638/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$1,219,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,878
−HK$5,504/mo
▼ 0.25% · 3.875%
HK$104,610
−HK$2,772/mo
Today · 4.125%
HK$107,382
baseline
▲ 0.50% · 4.625%
HK$113,042
+HK$5,660/mo
Deposit HK$8.61M · loan HK$20.08M · min. income ≈ HK$214,764/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$1,219,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,741
−HK$7,384/mo
▼ 0.25% · 3.875%
HK$121,404
−HK$3,721/mo
Today · 4.125%
HK$125,125
baseline
▲ 0.50% · 4.625%
HK$132,738
+HK$7,613/mo
Deposit HK$2.87M · loan HK$25.82M · min. income ≈ HK$250,250/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,986
−HK$7,077/mo
▼ 0.25% · 3.875%
HK$134,499
−HK$3,564/mo
Today · 4.125%
HK$138,063
baseline
▲ 0.50% · 4.625%
HK$145,340
+HK$7,277/mo
Deposit HK$2.87M · loan HK$25.82M · min. income ≈ HK$276,126/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,161 · Scale 2, in force from 26 Feb 2026)