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$65,761
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$67,807
−HK$2,078/mo
Today · 4.125%
HK$69,885
baseline
▲ 0.50% · 4.625%
HK$74,137
+HK$4,252/mo
Deposit HK$14.42M · loan HK$14.42M · min. income ≈ HK$139,770/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,225,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,159
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$75,121
−HK$1,990/mo
Today · 4.125%
HK$77,111
baseline
▲ 0.50% · 4.625%
HK$81,176
+HK$4,065/mo
Deposit HK$14.42M · loan HK$14.42M · min. income ≈ HK$154,222/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,225,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,913
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$81,368
−HK$2,494/mo
Today · 4.125%
HK$83,862
baseline
▲ 0.50% · 4.625%
HK$88,965
+HK$5,103/mo
Deposit HK$11.54M · loan HK$17.30M · min. income ≈ HK$167,724/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,790
−HK$4,743/mo
▼ 0.25% · 3.875%
HK$90,145
−HK$2,388/mo
Today · 4.125%
HK$92,533
baseline
▲ 0.50% · 4.625%
HK$97,411
+HK$4,878/mo
Deposit HK$11.54M · loan HK$17.30M · min. income ≈ HK$185,066/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,066
−HK$5,773/mo
▼ 0.25% · 3.875%
HK$94,929
−HK$2,910/mo
Today · 4.125%
HK$97,839
baseline
▲ 0.50% · 4.625%
HK$103,792
+HK$5,953/mo
Deposit HK$8.65M · loan HK$20.19M · min. income ≈ HK$195,678/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,225,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,422
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$105,169
−HK$2,787/mo
Today · 4.125%
HK$107,956
baseline
▲ 0.50% · 4.625%
HK$113,646
+HK$5,690/mo
Deposit HK$8.65M · loan HK$20.19M · min. income ≈ HK$215,912/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,225,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,370
−HK$7,423/mo
▼ 0.25% · 3.875%
HK$122,052
−HK$3,741/mo
Today · 4.125%
HK$125,793
baseline
▲ 0.50% · 4.625%
HK$133,447
+HK$7,654/mo
Deposit HK$2.88M · loan HK$25.96M · min. income ≈ HK$251,586/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,685
−HK$7,115/mo
▼ 0.25% · 3.875%
HK$135,217
−HK$3,583/mo
Today · 4.125%
HK$138,800
baseline
▲ 0.50% · 4.625%
HK$146,116
+HK$7,316/mo
Deposit HK$2.88M · loan HK$25.96M · min. income ≈ HK$277,600/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,673 · Scale 2, in force from 26 Feb 2026)