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$65,626
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$67,667
−HK$2,074/mo
Today · 4.125%
HK$69,741
baseline
▲ 0.50% · 4.625%
HK$73,985
+HK$4,244/mo
Deposit HK$14.39M · loan HK$14.39M · min. income ≈ HK$139,482/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,223,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,008
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$74,966
−HK$1,986/mo
Today · 4.125%
HK$76,952
baseline
▲ 0.50% · 4.625%
HK$81,009
+HK$4,057/mo
Deposit HK$14.39M · loan HK$14.39M · min. income ≈ HK$153,904/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,223,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,751
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$81,201
−HK$2,488/mo
Today · 4.125%
HK$83,689
baseline
▲ 0.50% · 4.625%
HK$88,782
+HK$5,093/mo
Deposit HK$11.51M · loan HK$17.27M · min. income ≈ HK$167,378/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,223,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,610
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$89,959
−HK$2,384/mo
Today · 4.125%
HK$92,343
baseline
▲ 0.50% · 4.625%
HK$97,210
+HK$4,867/mo
Deposit HK$11.51M · loan HK$17.27M · min. income ≈ HK$184,686/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,223,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,876
−HK$5,762/mo
▼ 0.25% · 3.875%
HK$94,734
−HK$2,904/mo
Today · 4.125%
HK$97,638
baseline
▲ 0.50% · 4.625%
HK$103,579
+HK$5,941/mo
Deposit HK$8.63M · loan HK$20.15M · min. income ≈ HK$195,276/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,211
−HK$5,522/mo
▼ 0.25% · 3.875%
HK$104,953
−HK$2,780/mo
Today · 4.125%
HK$107,733
baseline
▲ 0.50% · 4.625%
HK$113,412
+HK$5,679/mo
Deposit HK$8.63M · loan HK$20.15M · min. income ≈ HK$215,466/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,126
−HK$7,408/mo
▼ 0.25% · 3.875%
HK$121,801
−HK$3,733/mo
Today · 4.125%
HK$125,534
baseline
▲ 0.50% · 4.625%
HK$133,172
+HK$7,638/mo
Deposit HK$2.88M · loan HK$25.90M · min. income ≈ HK$251,068/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,414
−HK$7,100/mo
▼ 0.25% · 3.875%
HK$134,939
−HK$3,575/mo
Today · 4.125%
HK$138,514
baseline
▲ 0.50% · 4.625%
HK$145,816
+HK$7,302/mo
Deposit HK$2.88M · loan HK$25.90M · min. income ≈ HK$277,028/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,151 · Scale 2, in force from 26 Feb 2026)