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$65,524
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$67,562
−HK$2,071/mo
Today · 4.125%
HK$69,633
baseline
▲ 0.50% · 4.625%
HK$73,870
+HK$4,237/mo
Deposit HK$14.37M · loan HK$14.37M · min. income ≈ HK$139,266/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,221,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,895
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$74,850
−HK$1,983/mo
Today · 4.125%
HK$76,833
baseline
▲ 0.50% · 4.625%
HK$80,883
+HK$4,050/mo
Deposit HK$14.37M · loan HK$14.37M · min. income ≈ HK$153,666/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,221,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,629
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$81,075
−HK$2,485/mo
Today · 4.125%
HK$83,560
baseline
▲ 0.50% · 4.625%
HK$88,644
+HK$5,084/mo
Deposit HK$11.49M · loan HK$17.24M · min. income ≈ HK$167,120/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$1,221,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,474
−HK$4,726/mo
▼ 0.25% · 3.875%
HK$89,820
−HK$2,380/mo
Today · 4.125%
HK$92,200
baseline
▲ 0.50% · 4.625%
HK$97,060
+HK$4,860/mo
Deposit HK$11.49M · loan HK$17.24M · min. income ≈ HK$184,400/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$1,221,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,734
−HK$5,752/mo
▼ 0.25% · 3.875%
HK$94,587
−HK$2,899/mo
Today · 4.125%
HK$97,486
baseline
▲ 0.50% · 4.625%
HK$103,418
+HK$5,932/mo
Deposit HK$8.62M · loan HK$20.11M · min. income ≈ HK$194,972/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,221,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,053
−HK$5,514/mo
▼ 0.25% · 3.875%
HK$104,790
−HK$2,777/mo
Today · 4.125%
HK$107,567
baseline
▲ 0.50% · 4.625%
HK$113,237
+HK$5,670/mo
Deposit HK$8.62M · loan HK$20.11M · min. income ≈ HK$215,134/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,221,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,944
−HK$7,396/mo
▼ 0.25% · 3.875%
HK$121,612
−HK$3,728/mo
Today · 4.125%
HK$125,340
baseline
▲ 0.50% · 4.625%
HK$132,966
+HK$7,626/mo
Deposit HK$2.87M · loan HK$25.86M · min. income ≈ HK$250,680/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,221,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,211
−HK$7,089/mo
▼ 0.25% · 3.875%
HK$134,730
−HK$3,570/mo
Today · 4.125%
HK$138,300
baseline
▲ 0.50% · 4.625%
HK$145,590
+HK$7,290/mo
Deposit HK$2.87M · loan HK$25.86M · min. income ≈ HK$276,600/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,221,257 · Scale 2, in force from 26 Feb 2026)