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$65,534
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$67,572
−HK$2,072/mo
Today · 4.125%
HK$69,644
baseline
▲ 0.50% · 4.625%
HK$73,881
+HK$4,237/mo
Deposit HK$14.37M · loan HK$14.37M · min. income ≈ HK$139,288/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,221,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,906
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$74,861
−HK$1,984/mo
Today · 4.125%
HK$76,845
baseline
▲ 0.50% · 4.625%
HK$80,895
+HK$4,050/mo
Deposit HK$14.37M · loan HK$14.37M · min. income ≈ HK$153,690/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,221,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,641
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$81,087
−HK$2,485/mo
Today · 4.125%
HK$83,572
baseline
▲ 0.50% · 4.625%
HK$88,657
+HK$5,085/mo
Deposit HK$11.50M · loan HK$17.24M · min. income ≈ HK$167,144/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$1,221,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,487
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$89,833
−HK$2,381/mo
Today · 4.125%
HK$92,214
baseline
▲ 0.50% · 4.625%
HK$97,074
+HK$4,860/mo
Deposit HK$11.50M · loan HK$17.24M · min. income ≈ HK$184,428/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$1,221,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,748
−HK$5,753/mo
▼ 0.25% · 3.875%
HK$94,601
−HK$2,900/mo
Today · 4.125%
HK$97,501
baseline
▲ 0.50% · 4.625%
HK$103,434
+HK$5,933/mo
Deposit HK$8.62M · loan HK$20.12M · min. income ≈ HK$195,002/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,221,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,068
−HK$5,515/mo
▼ 0.25% · 3.875%
HK$104,806
−HK$2,777/mo
Today · 4.125%
HK$107,583
baseline
▲ 0.50% · 4.625%
HK$113,253
+HK$5,670/mo
Deposit HK$8.62M · loan HK$20.12M · min. income ≈ HK$215,166/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,221,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,961
−HK$7,397/mo
▼ 0.25% · 3.875%
HK$121,630
−HK$3,728/mo
Today · 4.125%
HK$125,358
baseline
▲ 0.50% · 4.625%
HK$132,986
+HK$7,628/mo
Deposit HK$2.87M · loan HK$25.87M · min. income ≈ HK$250,716/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,221,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,231
−HK$7,090/mo
▼ 0.25% · 3.875%
HK$134,750
−HK$3,571/mo
Today · 4.125%
HK$138,321
baseline
▲ 0.50% · 4.625%
HK$145,612
+HK$7,291/mo
Deposit HK$2.87M · loan HK$25.87M · min. income ≈ HK$276,642/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,221,439 · Scale 2, in force from 26 Feb 2026)