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$65,835
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$67,883
−HK$2,081/mo
Today · 4.125%
HK$69,964
baseline
▲ 0.50% · 4.625%
HK$74,221
+HK$4,257/mo
Deposit HK$14.44M · loan HK$14.44M · min. income ≈ HK$139,928/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,227,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,241
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$75,206
−HK$1,992/mo
Today · 4.125%
HK$77,198
baseline
▲ 0.50% · 4.625%
HK$81,268
+HK$4,070/mo
Deposit HK$14.44M · loan HK$14.44M · min. income ≈ HK$154,396/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,227,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,003
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$81,460
−HK$2,497/mo
Today · 4.125%
HK$83,957
baseline
▲ 0.50% · 4.625%
HK$89,065
+HK$5,108/mo
Deposit HK$11.55M · loan HK$17.32M · min. income ≈ HK$167,914/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,227,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,890
−HK$4,748/mo
▼ 0.25% · 3.875%
HK$90,247
−HK$2,391/mo
Today · 4.125%
HK$92,638
baseline
▲ 0.50% · 4.625%
HK$97,521
+HK$4,883/mo
Deposit HK$11.55M · loan HK$17.32M · min. income ≈ HK$185,276/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,227,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,170
−HK$5,779/mo
▼ 0.25% · 3.875%
HK$95,037
−HK$2,912/mo
Today · 4.125%
HK$97,949
baseline
▲ 0.50% · 4.625%
HK$103,909
+HK$5,960/mo
Deposit HK$8.66M · loan HK$20.21M · min. income ≈ HK$195,898/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$1,227,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,538
−HK$5,540/mo
▼ 0.25% · 3.875%
HK$105,288
−HK$2,790/mo
Today · 4.125%
HK$108,078
baseline
▲ 0.50% · 4.625%
HK$113,775
+HK$5,697/mo
Deposit HK$8.66M · loan HK$20.21M · min. income ≈ HK$216,156/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$1,227,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,504
−HK$7,431/mo
▼ 0.25% · 3.875%
HK$122,190
−HK$3,745/mo
Today · 4.125%
HK$125,935
baseline
▲ 0.50% · 4.625%
HK$133,598
+HK$7,663/mo
Deposit HK$2.89M · loan HK$25.98M · min. income ≈ HK$251,870/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,227,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,834
−HK$7,123/mo
▼ 0.25% · 3.875%
HK$135,370
−HK$3,587/mo
Today · 4.125%
HK$138,957
baseline
▲ 0.50% · 4.625%
HK$146,282
+HK$7,325/mo
Deposit HK$2.89M · loan HK$25.98M · min. income ≈ HK$277,914/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,227,058 · Scale 2, in force from 26 Feb 2026)