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$65,507
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$67,545
−HK$2,070/mo
Today · 4.125%
HK$69,615
baseline
▲ 0.50% · 4.625%
HK$73,851
+HK$4,236/mo
Deposit HK$14.36M · loan HK$14.36M · min. income ≈ HK$139,230/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,220,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,876
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$74,830
−HK$1,983/mo
Today · 4.125%
HK$76,813
baseline
▲ 0.50% · 4.625%
HK$80,862
+HK$4,049/mo
Deposit HK$14.36M · loan HK$14.36M · min. income ≈ HK$153,626/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,220,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,608
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$81,053
−HK$2,485/mo
Today · 4.125%
HK$83,538
baseline
▲ 0.50% · 4.625%
HK$88,621
+HK$5,083/mo
Deposit HK$11.49M · loan HK$17.24M · min. income ≈ HK$167,076/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,220,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,451
−HK$4,725/mo
▼ 0.25% · 3.875%
HK$89,796
−HK$2,380/mo
Today · 4.125%
HK$92,176
baseline
▲ 0.50% · 4.625%
HK$97,034
+HK$4,858/mo
Deposit HK$11.49M · loan HK$17.24M · min. income ≈ HK$184,352/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,220,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,710
−HK$5,751/mo
▼ 0.25% · 3.875%
HK$94,562
−HK$2,899/mo
Today · 4.125%
HK$97,461
baseline
▲ 0.50% · 4.625%
HK$103,391
+HK$5,930/mo
Deposit HK$8.62M · loan HK$20.11M · min. income ≈ HK$194,922/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,220,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,026
−HK$5,512/mo
▼ 0.25% · 3.875%
HK$104,762
−HK$2,776/mo
Today · 4.125%
HK$107,538
baseline
▲ 0.50% · 4.625%
HK$113,207
+HK$5,669/mo
Deposit HK$8.62M · loan HK$20.11M · min. income ≈ HK$215,076/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,220,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,912
−HK$7,395/mo
▼ 0.25% · 3.875%
HK$121,580
−HK$3,727/mo
Today · 4.125%
HK$125,307
baseline
▲ 0.50% · 4.625%
HK$132,931
+HK$7,624/mo
Deposit HK$2.87M · loan HK$25.86M · min. income ≈ HK$250,614/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,220,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,176
−HK$7,087/mo
▼ 0.25% · 3.875%
HK$134,695
−HK$3,568/mo
Today · 4.125%
HK$138,263
baseline
▲ 0.50% · 4.625%
HK$145,552
+HK$7,289/mo
Deposit HK$2.87M · loan HK$25.86M · min. income ≈ HK$276,526/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,220,935 · Scale 2, in force from 26 Feb 2026)