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$65,763
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$67,809
−HK$2,078/mo
Today · 4.125%
HK$69,887
baseline
▲ 0.50% · 4.625%
HK$74,140
+HK$4,253/mo
Deposit HK$14.42M · loan HK$14.42M · min. income ≈ HK$139,774/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,225,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,161
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$75,123
−HK$1,991/mo
Today · 4.125%
HK$77,114
baseline
▲ 0.50% · 4.625%
HK$81,179
+HK$4,065/mo
Deposit HK$14.42M · loan HK$14.42M · min. income ≈ HK$154,228/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,225,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,916
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$81,371
−HK$2,494/mo
Today · 4.125%
HK$83,865
baseline
▲ 0.50% · 4.625%
HK$88,968
+HK$5,103/mo
Deposit HK$11.54M · loan HK$17.30M · min. income ≈ HK$167,730/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,793
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$90,148
−HK$2,389/mo
Today · 4.125%
HK$92,537
baseline
▲ 0.50% · 4.625%
HK$97,414
+HK$4,877/mo
Deposit HK$11.54M · loan HK$17.30M · min. income ≈ HK$185,074/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,069
−HK$5,773/mo
▼ 0.25% · 3.875%
HK$94,933
−HK$2,909/mo
Today · 4.125%
HK$97,842
baseline
▲ 0.50% · 4.625%
HK$103,796
+HK$5,954/mo
Deposit HK$8.65M · loan HK$20.19M · min. income ≈ HK$195,684/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,225,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,426
−HK$5,533/mo
▼ 0.25% · 3.875%
HK$105,173
−HK$2,786/mo
Today · 4.125%
HK$107,959
baseline
▲ 0.50% · 4.625%
HK$113,650
+HK$5,691/mo
Deposit HK$8.65M · loan HK$20.19M · min. income ≈ HK$215,918/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,225,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,374
−HK$7,423/mo
▼ 0.25% · 3.875%
HK$122,056
−HK$3,741/mo
Today · 4.125%
HK$125,797
baseline
▲ 0.50% · 4.625%
HK$133,452
+HK$7,655/mo
Deposit HK$2.88M · loan HK$25.96M · min. income ≈ HK$251,594/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,690
−HK$7,115/mo
▼ 0.25% · 3.875%
HK$135,222
−HK$3,583/mo
Today · 4.125%
HK$138,805
baseline
▲ 0.50% · 4.625%
HK$146,122
+HK$7,317/mo
Deposit HK$2.88M · loan HK$25.96M · min. income ≈ HK$277,610/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,717 · Scale 2, in force from 26 Feb 2026)