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$65,804
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$67,851
−HK$2,080/mo
Today · 4.125%
HK$69,931
baseline
▲ 0.50% · 4.625%
HK$74,186
+HK$4,255/mo
Deposit HK$14.43M · loan HK$14.43M · min. income ≈ HK$139,862/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,226,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,207
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$75,170
−HK$1,992/mo
Today · 4.125%
HK$77,162
baseline
▲ 0.50% · 4.625%
HK$81,229
+HK$4,067/mo
Deposit HK$14.43M · loan HK$14.43M · min. income ≈ HK$154,324/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,226,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,965
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$81,421
−HK$2,496/mo
Today · 4.125%
HK$83,917
baseline
▲ 0.50% · 4.625%
HK$89,023
+HK$5,106/mo
Deposit HK$11.54M · loan HK$17.31M · min. income ≈ HK$167,834/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,226,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,848
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$90,204
−HK$2,390/mo
Today · 4.125%
HK$92,594
baseline
▲ 0.50% · 4.625%
HK$97,475
+HK$4,881/mo
Deposit HK$11.54M · loan HK$17.31M · min. income ≈ HK$185,188/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,226,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,126
−HK$5,777/mo
▼ 0.25% · 3.875%
HK$94,992
−HK$2,911/mo
Today · 4.125%
HK$97,903
baseline
▲ 0.50% · 4.625%
HK$103,860
+HK$5,957/mo
Deposit HK$8.66M · loan HK$20.20M · min. income ≈ HK$195,806/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,226,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,489
−HK$5,537/mo
▼ 0.25% · 3.875%
HK$105,238
−HK$2,788/mo
Today · 4.125%
HK$108,026
baseline
▲ 0.50% · 4.625%
HK$113,721
+HK$5,695/mo
Deposit HK$8.66M · loan HK$20.20M · min. income ≈ HK$216,052/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,226,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,448
−HK$7,427/mo
▼ 0.25% · 3.875%
HK$122,132
−HK$3,743/mo
Today · 4.125%
HK$125,875
baseline
▲ 0.50% · 4.625%
HK$133,534
+HK$7,659/mo
Deposit HK$2.89M · loan HK$25.97M · min. income ≈ HK$251,750/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,226,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,772
−HK$7,119/mo
▼ 0.25% · 3.875%
HK$135,306
−HK$3,585/mo
Today · 4.125%
HK$138,891
baseline
▲ 0.50% · 4.625%
HK$146,212
+HK$7,321/mo
Deposit HK$2.89M · loan HK$25.97M · min. income ≈ HK$277,782/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,226,476 · Scale 2, in force from 26 Feb 2026)