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$65,608
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$67,648
−HK$2,074/mo
Today · 4.125%
HK$69,722
baseline
▲ 0.50% · 4.625%
HK$73,964
+HK$4,242/mo
Deposit HK$14.39M · loan HK$14.39M · min. income ≈ HK$139,444/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,222,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,988
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$74,945
−HK$1,986/mo
Today · 4.125%
HK$76,931
baseline
▲ 0.50% · 4.625%
HK$80,986
+HK$4,055/mo
Deposit HK$14.39M · loan HK$14.39M · min. income ≈ HK$153,862/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,222,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,729
−HK$4,937/mo
▼ 0.25% · 3.875%
HK$81,178
−HK$2,488/mo
Today · 4.125%
HK$83,666
baseline
▲ 0.50% · 4.625%
HK$88,757
+HK$5,091/mo
Deposit HK$11.51M · loan HK$17.26M · min. income ≈ HK$167,332/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,222,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,585
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$89,934
−HK$2,383/mo
Today · 4.125%
HK$92,317
baseline
▲ 0.50% · 4.625%
HK$97,183
+HK$4,866/mo
Deposit HK$11.51M · loan HK$17.26M · min. income ≈ HK$184,634/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,222,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,851
−HK$5,759/mo
▼ 0.25% · 3.875%
HK$94,708
−HK$2,902/mo
Today · 4.125%
HK$97,610
baseline
▲ 0.50% · 4.625%
HK$103,550
+HK$5,940/mo
Deposit HK$8.63M · loan HK$20.14M · min. income ≈ HK$195,220/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$1,222,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,183
−HK$5,520/mo
▼ 0.25% · 3.875%
HK$104,923
−HK$2,780/mo
Today · 4.125%
HK$107,703
baseline
▲ 0.50% · 4.625%
HK$113,381
+HK$5,678/mo
Deposit HK$8.63M · loan HK$20.14M · min. income ≈ HK$215,406/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$1,222,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,094
−HK$7,405/mo
▼ 0.25% · 3.875%
HK$121,767
−HK$3,732/mo
Today · 4.125%
HK$125,499
baseline
▲ 0.50% · 4.625%
HK$133,135
+HK$7,636/mo
Deposit HK$2.88M · loan HK$25.89M · min. income ≈ HK$250,998/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,222,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,378
−HK$7,098/mo
▼ 0.25% · 3.875%
HK$134,901
−HK$3,575/mo
Today · 4.125%
HK$138,476
baseline
▲ 0.50% · 4.625%
HK$145,775
+HK$7,299/mo
Deposit HK$2.88M · loan HK$25.89M · min. income ≈ HK$276,952/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,222,810 · Scale 2, in force from 26 Feb 2026)