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$65,860
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$67,909
−HK$2,081/mo
Today · 4.125%
HK$69,990
baseline
▲ 0.50% · 4.625%
HK$74,249
+HK$4,259/mo
Deposit HK$14.44M · loan HK$14.44M · min. income ≈ HK$139,980/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,227,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,269
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$75,234
−HK$1,993/mo
Today · 4.125%
HK$77,227
baseline
▲ 0.50% · 4.625%
HK$81,298
+HK$4,071/mo
Deposit HK$14.44M · loan HK$14.44M · min. income ≈ HK$154,454/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,227,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,032
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$81,490
−HK$2,498/mo
Today · 4.125%
HK$83,988
baseline
▲ 0.50% · 4.625%
HK$89,099
+HK$5,111/mo
Deposit HK$11.55M · loan HK$17.33M · min. income ≈ HK$167,976/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,227,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,922
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$90,280
−HK$2,393/mo
Today · 4.125%
HK$92,673
baseline
▲ 0.50% · 4.625%
HK$97,558
+HK$4,885/mo
Deposit HK$11.55M · loan HK$17.33M · min. income ≈ HK$185,346/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,227,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,204
−HK$5,782/mo
▼ 0.25% · 3.875%
HK$95,072
−HK$2,914/mo
Today · 4.125%
HK$97,986
baseline
▲ 0.50% · 4.625%
HK$103,948
+HK$5,962/mo
Deposit HK$8.66M · loan HK$20.22M · min. income ≈ HK$195,972/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$1,227,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,576
−HK$5,542/mo
▼ 0.25% · 3.875%
HK$105,327
−HK$2,791/mo
Today · 4.125%
HK$108,118
baseline
▲ 0.50% · 4.625%
HK$113,817
+HK$5,699/mo
Deposit HK$8.66M · loan HK$20.22M · min. income ≈ HK$216,236/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$1,227,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,548
−HK$7,434/mo
▼ 0.25% · 3.875%
HK$122,236
−HK$3,746/mo
Today · 4.125%
HK$125,982
baseline
▲ 0.50% · 4.625%
HK$133,648
+HK$7,666/mo
Deposit HK$2.89M · loan HK$25.99M · min. income ≈ HK$251,964/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,227,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,884
−HK$7,125/mo
▼ 0.25% · 3.875%
HK$135,421
−HK$3,588/mo
Today · 4.125%
HK$139,009
baseline
▲ 0.50% · 4.625%
HK$146,336
+HK$7,327/mo
Deposit HK$2.89M · loan HK$25.99M · min. income ≈ HK$278,018/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,227,518 · Scale 2, in force from 26 Feb 2026)