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$65,517
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$67,555
−HK$2,070/mo
Today · 4.125%
HK$69,625
baseline
▲ 0.50% · 4.625%
HK$73,862
+HK$4,237/mo
Deposit HK$14.37M · loan HK$14.37M · min. income ≈ HK$139,250/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,221,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,887
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$74,842
−HK$1,983/mo
Today · 4.125%
HK$76,825
baseline
▲ 0.50% · 4.625%
HK$80,874
+HK$4,049/mo
Deposit HK$14.37M · loan HK$14.37M · min. income ≈ HK$153,650/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,221,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,620
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$81,066
−HK$2,484/mo
Today · 4.125%
HK$83,550
baseline
▲ 0.50% · 4.625%
HK$88,634
+HK$5,084/mo
Deposit HK$11.49M · loan HK$17.24M · min. income ≈ HK$167,100/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,221,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,464
−HK$4,726/mo
▼ 0.25% · 3.875%
HK$89,810
−HK$2,380/mo
Today · 4.125%
HK$92,190
baseline
▲ 0.50% · 4.625%
HK$97,049
+HK$4,859/mo
Deposit HK$11.49M · loan HK$17.24M · min. income ≈ HK$184,380/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,221,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,724
−HK$5,751/mo
▼ 0.25% · 3.875%
HK$94,577
−HK$2,898/mo
Today · 4.125%
HK$97,475
baseline
▲ 0.50% · 4.625%
HK$103,407
+HK$5,932/mo
Deposit HK$8.62M · loan HK$20.11M · min. income ≈ HK$194,950/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,221,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,042
−HK$5,513/mo
▼ 0.25% · 3.875%
HK$104,778
−HK$2,777/mo
Today · 4.125%
HK$107,555
baseline
▲ 0.50% · 4.625%
HK$113,224
+HK$5,669/mo
Deposit HK$8.62M · loan HK$20.11M · min. income ≈ HK$215,110/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,221,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,930
−HK$7,396/mo
▼ 0.25% · 3.875%
HK$121,599
−HK$3,727/mo
Today · 4.125%
HK$125,326
baseline
▲ 0.50% · 4.625%
HK$132,951
+HK$7,625/mo
Deposit HK$2.87M · loan HK$25.86M · min. income ≈ HK$250,652/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,221,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,196
−HK$7,088/mo
▼ 0.25% · 3.875%
HK$134,715
−HK$3,569/mo
Today · 4.125%
HK$138,284
baseline
▲ 0.50% · 4.625%
HK$145,574
+HK$7,290/mo
Deposit HK$2.87M · loan HK$25.86M · min. income ≈ HK$276,568/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,221,120 · Scale 2, in force from 26 Feb 2026)