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$65,839
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$67,887
−HK$2,081/mo
Today · 4.125%
HK$69,968
baseline
▲ 0.50% · 4.625%
HK$74,225
+HK$4,257/mo
Deposit HK$14.44M · loan HK$14.44M · min. income ≈ HK$139,936/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,227,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,245
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$75,210
−HK$1,993/mo
Today · 4.125%
HK$77,203
baseline
▲ 0.50% · 4.625%
HK$81,272
+HK$4,069/mo
Deposit HK$14.44M · loan HK$14.44M · min. income ≈ HK$154,406/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,227,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,007
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$81,464
−HK$2,497/mo
Today · 4.125%
HK$83,961
baseline
▲ 0.50% · 4.625%
HK$89,070
+HK$5,109/mo
Deposit HK$11.55M · loan HK$17.32M · min. income ≈ HK$167,922/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,227,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,894
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$90,252
−HK$2,391/mo
Today · 4.125%
HK$92,643
baseline
▲ 0.50% · 4.625%
HK$97,526
+HK$4,883/mo
Deposit HK$11.55M · loan HK$17.32M · min. income ≈ HK$185,286/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,227,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,175
−HK$5,780/mo
▼ 0.25% · 3.875%
HK$95,042
−HK$2,913/mo
Today · 4.125%
HK$97,955
baseline
▲ 0.50% · 4.625%
HK$103,915
+HK$5,960/mo
Deposit HK$8.66M · loan HK$20.21M · min. income ≈ HK$195,910/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$1,227,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,543
−HK$5,541/mo
▼ 0.25% · 3.875%
HK$105,294
−HK$2,790/mo
Today · 4.125%
HK$108,084
baseline
▲ 0.50% · 4.625%
HK$113,781
+HK$5,697/mo
Deposit HK$8.66M · loan HK$20.21M · min. income ≈ HK$216,168/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$1,227,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,510
−HK$7,432/mo
▼ 0.25% · 3.875%
HK$122,197
−HK$3,745/mo
Today · 4.125%
HK$125,942
baseline
▲ 0.50% · 4.625%
HK$133,605
+HK$7,663/mo
Deposit HK$2.89M · loan HK$25.99M · min. income ≈ HK$251,884/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,227,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,842
−HK$7,123/mo
▼ 0.25% · 3.875%
HK$135,377
−HK$3,588/mo
Today · 4.125%
HK$138,965
baseline
▲ 0.50% · 4.625%
HK$146,290
+HK$7,325/mo
Deposit HK$2.89M · loan HK$25.99M · min. income ≈ HK$277,930/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,227,126 · Scale 2, in force from 26 Feb 2026)