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$65,819
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$67,866
−HK$2,080/mo
Today · 4.125%
HK$69,946
baseline
▲ 0.50% · 4.625%
HK$74,202
+HK$4,256/mo
Deposit HK$14.43M · loan HK$14.43M · min. income ≈ HK$139,892/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,226,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,223
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$75,187
−HK$1,992/mo
Today · 4.125%
HK$77,179
baseline
▲ 0.50% · 4.625%
HK$81,247
+HK$4,068/mo
Deposit HK$14.43M · loan HK$14.43M · min. income ≈ HK$154,358/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,226,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,983
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$81,439
−HK$2,497/mo
Today · 4.125%
HK$83,936
baseline
▲ 0.50% · 4.625%
HK$89,043
+HK$5,107/mo
Deposit HK$11.55M · loan HK$17.32M · min. income ≈ HK$167,872/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,226,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,867
−HK$4,748/mo
▼ 0.25% · 3.875%
HK$90,224
−HK$2,391/mo
Today · 4.125%
HK$92,615
baseline
▲ 0.50% · 4.625%
HK$97,496
+HK$4,881/mo
Deposit HK$11.55M · loan HK$17.32M · min. income ≈ HK$185,230/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,226,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,146
−HK$5,779/mo
▼ 0.25% · 3.875%
HK$95,013
−HK$2,912/mo
Today · 4.125%
HK$97,925
baseline
▲ 0.50% · 4.625%
HK$103,883
+HK$5,958/mo
Deposit HK$8.66M · loan HK$20.21M · min. income ≈ HK$195,850/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$1,226,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,512
−HK$5,538/mo
▼ 0.25% · 3.875%
HK$105,261
−HK$2,789/mo
Today · 4.125%
HK$108,050
baseline
▲ 0.50% · 4.625%
HK$113,746
+HK$5,696/mo
Deposit HK$8.66M · loan HK$20.21M · min. income ≈ HK$216,100/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$1,226,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,474
−HK$7,429/mo
▼ 0.25% · 3.875%
HK$122,159
−HK$3,744/mo
Today · 4.125%
HK$125,903
baseline
▲ 0.50% · 4.625%
HK$133,564
+HK$7,661/mo
Deposit HK$2.89M · loan HK$25.98M · min. income ≈ HK$251,806/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,226,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,801
−HK$7,121/mo
▼ 0.25% · 3.875%
HK$135,336
−HK$3,586/mo
Today · 4.125%
HK$138,922
baseline
▲ 0.50% · 4.625%
HK$146,245
+HK$7,323/mo
Deposit HK$2.89M · loan HK$25.98M · min. income ≈ HK$277,844/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,226,749 · Scale 2, in force from 26 Feb 2026)