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$65,772
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$67,817
−HK$2,079/mo
Today · 4.125%
HK$69,896
baseline
▲ 0.50% · 4.625%
HK$74,149
+HK$4,253/mo
Deposit HK$14.42M · loan HK$14.42M · min. income ≈ HK$139,792/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,225,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,170
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$75,133
−HK$1,990/mo
Today · 4.125%
HK$77,123
baseline
▲ 0.50% · 4.625%
HK$81,189
+HK$4,066/mo
Deposit HK$14.42M · loan HK$14.42M · min. income ≈ HK$154,246/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,225,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,926
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$81,381
−HK$2,494/mo
Today · 4.125%
HK$83,875
baseline
▲ 0.50% · 4.625%
HK$88,979
+HK$5,104/mo
Deposit HK$11.54M · loan HK$17.31M · min. income ≈ HK$167,750/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,804
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$90,159
−HK$2,389/mo
Today · 4.125%
HK$92,548
baseline
▲ 0.50% · 4.625%
HK$97,426
+HK$4,878/mo
Deposit HK$11.54M · loan HK$17.31M · min. income ≈ HK$185,096/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,080
−HK$5,774/mo
▼ 0.25% · 3.875%
HK$94,944
−HK$2,910/mo
Today · 4.125%
HK$97,854
baseline
▲ 0.50% · 4.625%
HK$103,809
+HK$5,955/mo
Deposit HK$8.65M · loan HK$20.19M · min. income ≈ HK$195,708/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,225,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,438
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$105,186
−HK$2,787/mo
Today · 4.125%
HK$107,973
baseline
▲ 0.50% · 4.625%
HK$113,664
+HK$5,691/mo
Deposit HK$8.65M · loan HK$20.19M · min. income ≈ HK$215,946/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,225,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,389
−HK$7,424/mo
▼ 0.25% · 3.875%
HK$122,071
−HK$3,742/mo
Today · 4.125%
HK$125,813
baseline
▲ 0.50% · 4.625%
HK$133,468
+HK$7,655/mo
Deposit HK$2.88M · loan HK$25.96M · min. income ≈ HK$251,626/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,706
−HK$7,116/mo
▼ 0.25% · 3.875%
HK$135,239
−HK$3,583/mo
Today · 4.125%
HK$138,822
baseline
▲ 0.50% · 4.625%
HK$146,140
+HK$7,318/mo
Deposit HK$2.88M · loan HK$25.96M · min. income ≈ HK$277,644/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,868 · Scale 2, in force from 26 Feb 2026)