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$65,525
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$67,564
−HK$2,070/mo
Today · 4.125%
HK$69,634
baseline
▲ 0.50% · 4.625%
HK$73,871
+HK$4,237/mo
Deposit HK$14.37M · loan HK$14.37M · min. income ≈ HK$139,268/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,221,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,896
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$74,851
−HK$1,984/mo
Today · 4.125%
HK$76,835
baseline
▲ 0.50% · 4.625%
HK$80,885
+HK$4,050/mo
Deposit HK$14.37M · loan HK$14.37M · min. income ≈ HK$153,670/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,221,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,630
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$81,076
−HK$2,485/mo
Today · 4.125%
HK$83,561
baseline
▲ 0.50% · 4.625%
HK$88,646
+HK$5,085/mo
Deposit HK$11.49M · loan HK$17.24M · min. income ≈ HK$167,122/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$1,221,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,476
−HK$4,726/mo
▼ 0.25% · 3.875%
HK$89,822
−HK$2,380/mo
Today · 4.125%
HK$92,202
baseline
▲ 0.50% · 4.625%
HK$97,062
+HK$4,860/mo
Deposit HK$11.49M · loan HK$17.24M · min. income ≈ HK$184,404/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$1,221,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,736
−HK$5,752/mo
▼ 0.25% · 3.875%
HK$94,589
−HK$2,899/mo
Today · 4.125%
HK$97,488
baseline
▲ 0.50% · 4.625%
HK$103,420
+HK$5,932/mo
Deposit HK$8.62M · loan HK$20.12M · min. income ≈ HK$194,976/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,221,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,055
−HK$5,514/mo
▼ 0.25% · 3.875%
HK$104,792
−HK$2,777/mo
Today · 4.125%
HK$107,569
baseline
▲ 0.50% · 4.625%
HK$113,239
+HK$5,670/mo
Deposit HK$8.62M · loan HK$20.12M · min. income ≈ HK$215,138/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,221,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,946
−HK$7,396/mo
▼ 0.25% · 3.875%
HK$121,614
−HK$3,728/mo
Today · 4.125%
HK$125,342
baseline
▲ 0.50% · 4.625%
HK$132,969
+HK$7,627/mo
Deposit HK$2.87M · loan HK$25.86M · min. income ≈ HK$250,684/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,221,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,213
−HK$7,089/mo
▼ 0.25% · 3.875%
HK$134,732
−HK$3,570/mo
Today · 4.125%
HK$138,302
baseline
▲ 0.50% · 4.625%
HK$145,593
+HK$7,291/mo
Deposit HK$2.87M · loan HK$25.86M · min. income ≈ HK$276,604/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,221,279 · Scale 2, in force from 26 Feb 2026)