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$65,770
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$67,816
−HK$2,078/mo
Today · 4.125%
HK$69,894
baseline
▲ 0.50% · 4.625%
HK$74,147
+HK$4,253/mo
Deposit HK$14.42M · loan HK$14.42M · min. income ≈ HK$139,788/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,225,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,169
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$75,131
−HK$1,991/mo
Today · 4.125%
HK$77,122
baseline
▲ 0.50% · 4.625%
HK$81,187
+HK$4,065/mo
Deposit HK$14.42M · loan HK$14.42M · min. income ≈ HK$154,244/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,225,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,924
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$81,379
−HK$2,494/mo
Today · 4.125%
HK$83,873
baseline
▲ 0.50% · 4.625%
HK$88,977
+HK$5,104/mo
Deposit HK$11.54M · loan HK$17.31M · min. income ≈ HK$167,746/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,802
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$90,157
−HK$2,389/mo
Today · 4.125%
HK$92,546
baseline
▲ 0.50% · 4.625%
HK$97,424
+HK$4,878/mo
Deposit HK$11.54M · loan HK$17.31M · min. income ≈ HK$185,092/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,078
−HK$5,774/mo
▼ 0.25% · 3.875%
HK$94,942
−HK$2,910/mo
Today · 4.125%
HK$97,852
baseline
▲ 0.50% · 4.625%
HK$103,806
+HK$5,954/mo
Deposit HK$8.65M · loan HK$20.19M · min. income ≈ HK$195,704/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,225,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,436
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$105,183
−HK$2,787/mo
Today · 4.125%
HK$107,970
baseline
▲ 0.50% · 4.625%
HK$113,661
+HK$5,691/mo
Deposit HK$8.65M · loan HK$20.19M · min. income ≈ HK$215,940/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,225,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,386
−HK$7,424/mo
▼ 0.25% · 3.875%
HK$122,069
−HK$3,741/mo
Today · 4.125%
HK$125,810
baseline
▲ 0.50% · 4.625%
HK$133,465
+HK$7,655/mo
Deposit HK$2.88M · loan HK$25.96M · min. income ≈ HK$251,620/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,703
−HK$7,116/mo
▼ 0.25% · 3.875%
HK$135,236
−HK$3,583/mo
Today · 4.125%
HK$138,819
baseline
▲ 0.50% · 4.625%
HK$146,136
+HK$7,317/mo
Deposit HK$2.88M · loan HK$25.96M · min. income ≈ HK$277,638/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,839 · Scale 2, in force from 26 Feb 2026)