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$65,526
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$67,564
−HK$2,071/mo
Today · 4.125%
HK$69,635
baseline
▲ 0.50% · 4.625%
HK$73,872
+HK$4,237/mo
Deposit HK$14.37M · loan HK$14.37M · min. income ≈ HK$139,270/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,221,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,897
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$74,852
−HK$1,983/mo
Today · 4.125%
HK$76,835
baseline
▲ 0.50% · 4.625%
HK$80,885
+HK$4,050/mo
Deposit HK$14.37M · loan HK$14.37M · min. income ≈ HK$153,670/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,221,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,631
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$81,077
−HK$2,485/mo
Today · 4.125%
HK$83,562
baseline
▲ 0.50% · 4.625%
HK$88,646
+HK$5,084/mo
Deposit HK$11.49M · loan HK$17.24M · min. income ≈ HK$167,124/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$1,221,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,476
−HK$4,726/mo
▼ 0.25% · 3.875%
HK$89,822
−HK$2,380/mo
Today · 4.125%
HK$92,202
baseline
▲ 0.50% · 4.625%
HK$97,062
+HK$4,860/mo
Deposit HK$11.49M · loan HK$17.24M · min. income ≈ HK$184,404/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$1,221,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,736
−HK$5,753/mo
▼ 0.25% · 3.875%
HK$94,590
−HK$2,899/mo
Today · 4.125%
HK$97,489
baseline
▲ 0.50% · 4.625%
HK$103,421
+HK$5,932/mo
Deposit HK$8.62M · loan HK$20.12M · min. income ≈ HK$194,978/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,221,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,056
−HK$5,513/mo
▼ 0.25% · 3.875%
HK$104,793
−HK$2,776/mo
Today · 4.125%
HK$107,569
baseline
▲ 0.50% · 4.625%
HK$113,239
+HK$5,670/mo
Deposit HK$8.62M · loan HK$20.12M · min. income ≈ HK$215,138/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,221,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,947
−HK$7,396/mo
▼ 0.25% · 3.875%
HK$121,615
−HK$3,728/mo
Today · 4.125%
HK$125,343
baseline
▲ 0.50% · 4.625%
HK$132,970
+HK$7,627/mo
Deposit HK$2.87M · loan HK$25.86M · min. income ≈ HK$250,686/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,221,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,214
−HK$7,089/mo
▼ 0.25% · 3.875%
HK$134,733
−HK$3,570/mo
Today · 4.125%
HK$138,303
baseline
▲ 0.50% · 4.625%
HK$145,594
+HK$7,291/mo
Deposit HK$2.87M · loan HK$25.86M · min. income ≈ HK$276,606/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,221,288 · Scale 2, in force from 26 Feb 2026)