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$65,781
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$67,828
−HK$2,079/mo
Today · 4.125%
HK$69,907
baseline
▲ 0.50% · 4.625%
HK$74,160
+HK$4,253/mo
Deposit HK$14.42M · loan HK$14.42M · min. income ≈ HK$139,814/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,226,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,181
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$75,144
−HK$1,991/mo
Today · 4.125%
HK$77,135
baseline
▲ 0.50% · 4.625%
HK$81,201
+HK$4,066/mo
Deposit HK$14.42M · loan HK$14.42M · min. income ≈ HK$154,270/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,226,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,938
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$81,393
−HK$2,495/mo
Today · 4.125%
HK$83,888
baseline
▲ 0.50% · 4.625%
HK$88,992
+HK$5,104/mo
Deposit HK$11.54M · loan HK$17.31M · min. income ≈ HK$167,776/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,226,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,817
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$90,173
−HK$2,389/mo
Today · 4.125%
HK$92,562
baseline
▲ 0.50% · 4.625%
HK$97,441
+HK$4,879/mo
Deposit HK$11.54M · loan HK$17.31M · min. income ≈ HK$185,124/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,226,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,094
−HK$5,775/mo
▼ 0.25% · 3.875%
HK$94,959
−HK$2,910/mo
Today · 4.125%
HK$97,869
baseline
▲ 0.50% · 4.625%
HK$103,824
+HK$5,955/mo
Deposit HK$8.65M · loan HK$20.19M · min. income ≈ HK$195,738/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,226,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,454
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$105,201
−HK$2,788/mo
Today · 4.125%
HK$107,989
baseline
▲ 0.50% · 4.625%
HK$113,681
+HK$5,692/mo
Deposit HK$8.65M · loan HK$20.19M · min. income ≈ HK$215,978/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,226,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,407
−HK$7,425/mo
▼ 0.25% · 3.875%
HK$122,090
−HK$3,742/mo
Today · 4.125%
HK$125,832
baseline
▲ 0.50% · 4.625%
HK$133,488
+HK$7,656/mo
Deposit HK$2.88M · loan HK$25.96M · min. income ≈ HK$251,664/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,226,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,726
−HK$7,117/mo
▼ 0.25% · 3.875%
HK$135,259
−HK$3,584/mo
Today · 4.125%
HK$138,843
baseline
▲ 0.50% · 4.625%
HK$146,162
+HK$7,319/mo
Deposit HK$2.88M · loan HK$25.96M · min. income ≈ HK$277,686/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,226,052 · Scale 2, in force from 26 Feb 2026)