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$65,622
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$67,663
−HK$2,074/mo
Today · 4.125%
HK$69,737
baseline
▲ 0.50% · 4.625%
HK$73,981
+HK$4,244/mo
Deposit HK$14.39M · loan HK$14.39M · min. income ≈ HK$139,474/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,223,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,004
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$74,962
−HK$1,986/mo
Today · 4.125%
HK$76,948
baseline
▲ 0.50% · 4.625%
HK$81,004
+HK$4,056/mo
Deposit HK$14.39M · loan HK$14.39M · min. income ≈ HK$153,896/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,223,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,747
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$81,196
−HK$2,489/mo
Today · 4.125%
HK$83,685
baseline
▲ 0.50% · 4.625%
HK$88,777
+HK$5,092/mo
Deposit HK$11.51M · loan HK$17.27M · min. income ≈ HK$167,370/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,223,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,605
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$89,954
−HK$2,384/mo
Today · 4.125%
HK$92,338
baseline
▲ 0.50% · 4.625%
HK$97,205
+HK$4,867/mo
Deposit HK$11.51M · loan HK$17.27M · min. income ≈ HK$184,676/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,223,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,871
−HK$5,761/mo
▼ 0.25% · 3.875%
HK$94,729
−HK$2,903/mo
Today · 4.125%
HK$97,632
baseline
▲ 0.50% · 4.625%
HK$103,573
+HK$5,941/mo
Deposit HK$8.63M · loan HK$20.14M · min. income ≈ HK$195,264/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,206
−HK$5,521/mo
▼ 0.25% · 3.875%
HK$104,947
−HK$2,780/mo
Today · 4.125%
HK$107,727
baseline
▲ 0.50% · 4.625%
HK$113,406
+HK$5,679/mo
Deposit HK$8.63M · loan HK$20.14M · min. income ≈ HK$215,454/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,120
−HK$7,407/mo
▼ 0.25% · 3.875%
HK$121,794
−HK$3,733/mo
Today · 4.125%
HK$125,527
baseline
▲ 0.50% · 4.625%
HK$133,165
+HK$7,638/mo
Deposit HK$2.88M · loan HK$25.90M · min. income ≈ HK$251,054/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,407
−HK$7,100/mo
▼ 0.25% · 3.875%
HK$134,931
−HK$3,576/mo
Today · 4.125%
HK$138,507
baseline
▲ 0.50% · 4.625%
HK$145,808
+HK$7,301/mo
Deposit HK$2.88M · loan HK$25.90M · min. income ≈ HK$277,014/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,083 · Scale 2, in force from 26 Feb 2026)