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$65,539
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$67,578
−HK$2,071/mo
Today · 4.125%
HK$69,649
baseline
▲ 0.50% · 4.625%
HK$73,887
+HK$4,238/mo
Deposit HK$14.37M · loan HK$14.37M · min. income ≈ HK$139,298/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,221,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,912
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$74,867
−HK$1,984/mo
Today · 4.125%
HK$76,851
baseline
▲ 0.50% · 4.625%
HK$80,902
+HK$4,051/mo
Deposit HK$14.37M · loan HK$14.37M · min. income ≈ HK$153,702/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,221,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,647
−HK$4,932/mo
▼ 0.25% · 3.875%
HK$81,094
−HK$2,485/mo
Today · 4.125%
HK$83,579
baseline
▲ 0.50% · 4.625%
HK$88,665
+HK$5,086/mo
Deposit HK$11.50M · loan HK$17.25M · min. income ≈ HK$167,158/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$1,221,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,494
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$89,841
−HK$2,380/mo
Today · 4.125%
HK$92,221
baseline
▲ 0.50% · 4.625%
HK$97,082
+HK$4,861/mo
Deposit HK$11.50M · loan HK$17.25M · min. income ≈ HK$184,442/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$1,221,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,755
−HK$5,754/mo
▼ 0.25% · 3.875%
HK$94,609
−HK$2,900/mo
Today · 4.125%
HK$97,509
baseline
▲ 0.50% · 4.625%
HK$103,442
+HK$5,933/mo
Deposit HK$8.62M · loan HK$20.12M · min. income ≈ HK$195,018/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,221,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,077
−HK$5,515/mo
▼ 0.25% · 3.875%
HK$104,814
−HK$2,778/mo
Today · 4.125%
HK$107,592
baseline
▲ 0.50% · 4.625%
HK$113,263
+HK$5,671/mo
Deposit HK$8.62M · loan HK$20.12M · min. income ≈ HK$215,184/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,221,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,971
−HK$7,398/mo
▼ 0.25% · 3.875%
HK$121,640
−HK$3,729/mo
Today · 4.125%
HK$125,369
baseline
▲ 0.50% · 4.625%
HK$132,997
+HK$7,628/mo
Deposit HK$2.87M · loan HK$25.87M · min. income ≈ HK$250,738/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,221,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,241
−HK$7,091/mo
▼ 0.25% · 3.875%
HK$134,761
−HK$3,571/mo
Today · 4.125%
HK$138,332
baseline
▲ 0.50% · 4.625%
HK$145,624
+HK$7,292/mo
Deposit HK$2.87M · loan HK$25.87M · min. income ≈ HK$276,664/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,221,540 · Scale 2, in force from 26 Feb 2026)