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$65,803
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$67,850
−HK$2,080/mo
Today · 4.125%
HK$69,930
baseline
▲ 0.50% · 4.625%
HK$74,185
+HK$4,255/mo
Deposit HK$14.43M · loan HK$14.43M · min. income ≈ HK$139,860/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,226,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,206
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$75,169
−HK$1,992/mo
Today · 4.125%
HK$77,161
baseline
▲ 0.50% · 4.625%
HK$81,228
+HK$4,067/mo
Deposit HK$14.43M · loan HK$14.43M · min. income ≈ HK$154,322/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,226,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,964
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$81,420
−HK$2,496/mo
Today · 4.125%
HK$83,916
baseline
▲ 0.50% · 4.625%
HK$89,022
+HK$5,106/mo
Deposit HK$11.54M · loan HK$17.31M · min. income ≈ HK$167,832/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,226,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,847
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$90,203
−HK$2,390/mo
Today · 4.125%
HK$92,593
baseline
▲ 0.50% · 4.625%
HK$97,474
+HK$4,881/mo
Deposit HK$11.54M · loan HK$17.31M · min. income ≈ HK$185,186/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,226,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,125
−HK$5,777/mo
▼ 0.25% · 3.875%
HK$94,990
−HK$2,912/mo
Today · 4.125%
HK$97,902
baseline
▲ 0.50% · 4.625%
HK$103,859
+HK$5,957/mo
Deposit HK$8.66M · loan HK$20.20M · min. income ≈ HK$195,804/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,226,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,488
−HK$5,537/mo
▼ 0.25% · 3.875%
HK$105,237
−HK$2,788/mo
Today · 4.125%
HK$108,025
baseline
▲ 0.50% · 4.625%
HK$113,719
+HK$5,694/mo
Deposit HK$8.66M · loan HK$20.20M · min. income ≈ HK$216,050/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,226,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,446
−HK$7,428/mo
▼ 0.25% · 3.875%
HK$122,130
−HK$3,744/mo
Today · 4.125%
HK$125,874
baseline
▲ 0.50% · 4.625%
HK$133,533
+HK$7,659/mo
Deposit HK$2.89M · loan HK$25.97M · min. income ≈ HK$251,748/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,226,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,770
−HK$7,119/mo
▼ 0.25% · 3.875%
HK$135,304
−HK$3,585/mo
Today · 4.125%
HK$138,889
baseline
▲ 0.50% · 4.625%
HK$146,210
+HK$7,321/mo
Deposit HK$2.89M · loan HK$25.97M · min. income ≈ HK$277,778/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,226,461 · Scale 2, in force from 26 Feb 2026)