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$65,513
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$67,551
−HK$2,070/mo
Today · 4.125%
HK$69,621
baseline
▲ 0.50% · 4.625%
HK$73,858
+HK$4,237/mo
Deposit HK$14.37M · loan HK$14.37M · min. income ≈ HK$139,242/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,221,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,883
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$74,837
−HK$1,983/mo
Today · 4.125%
HK$76,820
baseline
▲ 0.50% · 4.625%
HK$80,870
+HK$4,050/mo
Deposit HK$14.37M · loan HK$14.37M · min. income ≈ HK$153,640/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,221,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,616
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$81,061
−HK$2,485/mo
Today · 4.125%
HK$83,546
baseline
▲ 0.50% · 4.625%
HK$88,629
+HK$5,083/mo
Deposit HK$11.49M · loan HK$17.24M · min. income ≈ HK$167,092/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,221,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,459
−HK$4,725/mo
▼ 0.25% · 3.875%
HK$89,805
−HK$2,379/mo
Today · 4.125%
HK$92,184
baseline
▲ 0.50% · 4.625%
HK$97,043
+HK$4,859/mo
Deposit HK$11.49M · loan HK$17.24M · min. income ≈ HK$184,368/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,221,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,718
−HK$5,752/mo
▼ 0.25% · 3.875%
HK$94,571
−HK$2,899/mo
Today · 4.125%
HK$97,470
baseline
▲ 0.50% · 4.625%
HK$103,401
+HK$5,931/mo
Deposit HK$8.62M · loan HK$20.11M · min. income ≈ HK$194,940/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,221,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,036
−HK$5,512/mo
▼ 0.25% · 3.875%
HK$104,772
−HK$2,776/mo
Today · 4.125%
HK$107,548
baseline
▲ 0.50% · 4.625%
HK$113,217
+HK$5,669/mo
Deposit HK$8.62M · loan HK$20.11M · min. income ≈ HK$215,096/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,221,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,924
−HK$7,394/mo
▼ 0.25% · 3.875%
HK$121,592
−HK$3,726/mo
Today · 4.125%
HK$125,318
baseline
▲ 0.50% · 4.625%
HK$132,944
+HK$7,626/mo
Deposit HK$2.87M · loan HK$25.86M · min. income ≈ HK$250,636/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,221,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,189
−HK$7,087/mo
▼ 0.25% · 3.875%
HK$134,707
−HK$3,569/mo
Today · 4.125%
HK$138,276
baseline
▲ 0.50% · 4.625%
HK$145,565
+HK$7,289/mo
Deposit HK$2.87M · loan HK$25.86M · min. income ≈ HK$276,552/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,221,050 · Scale 2, in force from 26 Feb 2026)