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$65,784
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$67,830
−HK$2,079/mo
Today · 4.125%
HK$69,909
baseline
▲ 0.50% · 4.625%
HK$74,163
+HK$4,254/mo
Deposit HK$14.42M · loan HK$14.42M · min. income ≈ HK$139,818/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,226,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,184
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$75,146
−HK$1,992/mo
Today · 4.125%
HK$77,138
baseline
▲ 0.50% · 4.625%
HK$81,204
+HK$4,066/mo
Deposit HK$14.42M · loan HK$14.42M · min. income ≈ HK$154,276/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,226,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,940
−HK$4,951/mo
▼ 0.25% · 3.875%
HK$81,396
−HK$2,495/mo
Today · 4.125%
HK$83,891
baseline
▲ 0.50% · 4.625%
HK$88,995
+HK$5,104/mo
Deposit HK$11.54M · loan HK$17.31M · min. income ≈ HK$167,782/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,226,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,820
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$90,176
−HK$2,389/mo
Today · 4.125%
HK$92,565
baseline
▲ 0.50% · 4.625%
HK$97,444
+HK$4,879/mo
Deposit HK$11.54M · loan HK$17.31M · min. income ≈ HK$185,130/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,226,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,097
−HK$5,775/mo
▼ 0.25% · 3.875%
HK$94,962
−HK$2,910/mo
Today · 4.125%
HK$97,872
baseline
▲ 0.50% · 4.625%
HK$103,828
+HK$5,956/mo
Deposit HK$8.65M · loan HK$20.19M · min. income ≈ HK$195,744/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,226,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,457
−HK$5,536/mo
▼ 0.25% · 3.875%
HK$105,205
−HK$2,788/mo
Today · 4.125%
HK$107,993
baseline
▲ 0.50% · 4.625%
HK$113,685
+HK$5,692/mo
Deposit HK$8.65M · loan HK$20.19M · min. income ≈ HK$215,986/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,226,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,411
−HK$7,425/mo
▼ 0.25% · 3.875%
HK$122,094
−HK$3,742/mo
Today · 4.125%
HK$125,836
baseline
▲ 0.50% · 4.625%
HK$133,493
+HK$7,657/mo
Deposit HK$2.88M · loan HK$25.96M · min. income ≈ HK$251,672/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,226,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,731
−HK$7,117/mo
▼ 0.25% · 3.875%
HK$135,264
−HK$3,584/mo
Today · 4.125%
HK$138,848
baseline
▲ 0.50% · 4.625%
HK$146,167
+HK$7,319/mo
Deposit HK$2.88M · loan HK$25.96M · min. income ≈ HK$277,696/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,226,094 · Scale 2, in force from 26 Feb 2026)