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$65,609
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$67,650
−HK$2,073/mo
Today · 4.125%
HK$69,723
baseline
▲ 0.50% · 4.625%
HK$73,966
+HK$4,243/mo
Deposit HK$14.39M · loan HK$14.39M · min. income ≈ HK$139,446/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,222,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,989
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$74,947
−HK$1,986/mo
Today · 4.125%
HK$76,933
baseline
▲ 0.50% · 4.625%
HK$80,988
+HK$4,055/mo
Deposit HK$14.39M · loan HK$14.39M · min. income ≈ HK$153,866/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,222,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,731
−HK$4,937/mo
▼ 0.25% · 3.875%
HK$81,180
−HK$2,488/mo
Today · 4.125%
HK$83,668
baseline
▲ 0.50% · 4.625%
HK$88,759
+HK$5,091/mo
Deposit HK$11.51M · loan HK$17.26M · min. income ≈ HK$167,336/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,222,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,587
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$89,936
−HK$2,383/mo
Today · 4.125%
HK$92,319
baseline
▲ 0.50% · 4.625%
HK$97,185
+HK$4,866/mo
Deposit HK$11.51M · loan HK$17.26M · min. income ≈ HK$184,638/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,222,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,853
−HK$5,759/mo
▼ 0.25% · 3.875%
HK$94,710
−HK$2,902/mo
Today · 4.125%
HK$97,612
baseline
▲ 0.50% · 4.625%
HK$103,552
+HK$5,940/mo
Deposit HK$8.63M · loan HK$20.14M · min. income ≈ HK$195,224/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$1,222,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,185
−HK$5,521/mo
▼ 0.25% · 3.875%
HK$104,926
−HK$2,780/mo
Today · 4.125%
HK$107,706
baseline
▲ 0.50% · 4.625%
HK$113,383
+HK$5,677/mo
Deposit HK$8.63M · loan HK$20.14M · min. income ≈ HK$215,412/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$1,222,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,096
−HK$7,406/mo
▼ 0.25% · 3.875%
HK$121,770
−HK$3,732/mo
Today · 4.125%
HK$125,502
baseline
▲ 0.50% · 4.625%
HK$133,138
+HK$7,636/mo
Deposit HK$2.88M · loan HK$25.90M · min. income ≈ HK$251,004/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,222,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,381
−HK$7,098/mo
▼ 0.25% · 3.875%
HK$134,904
−HK$3,575/mo
Today · 4.125%
HK$138,479
baseline
▲ 0.50% · 4.625%
HK$145,778
+HK$7,299/mo
Deposit HK$2.88M · loan HK$25.90M · min. income ≈ HK$276,958/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,222,837 · Scale 2, in force from 26 Feb 2026)