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$65,756
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$67,801
−HK$2,078/mo
Today · 4.125%
HK$69,879
baseline
▲ 0.50% · 4.625%
HK$74,131
+HK$4,252/mo
Deposit HK$14.42M · loan HK$14.42M · min. income ≈ HK$139,758/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,225,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,153
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$75,114
−HK$1,991/mo
Today · 4.125%
HK$77,105
baseline
▲ 0.50% · 4.625%
HK$81,169
+HK$4,064/mo
Deposit HK$14.42M · loan HK$14.42M · min. income ≈ HK$154,210/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,225,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,907
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$81,361
−HK$2,494/mo
Today · 4.125%
HK$83,855
baseline
▲ 0.50% · 4.625%
HK$88,957
+HK$5,102/mo
Deposit HK$11.53M · loan HK$17.30M · min. income ≈ HK$167,710/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,783
−HK$4,743/mo
▼ 0.25% · 3.875%
HK$90,137
−HK$2,389/mo
Today · 4.125%
HK$92,526
baseline
▲ 0.50% · 4.625%
HK$97,403
+HK$4,877/mo
Deposit HK$11.53M · loan HK$17.30M · min. income ≈ HK$185,052/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,058
−HK$5,773/mo
▼ 0.25% · 3.875%
HK$94,922
−HK$2,909/mo
Today · 4.125%
HK$97,831
baseline
▲ 0.50% · 4.625%
HK$103,784
+HK$5,953/mo
Deposit HK$8.65M · loan HK$20.19M · min. income ≈ HK$195,662/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,225,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,414
−HK$5,533/mo
▼ 0.25% · 3.875%
HK$105,160
−HK$2,787/mo
Today · 4.125%
HK$107,947
baseline
▲ 0.50% · 4.625%
HK$113,637
+HK$5,690/mo
Deposit HK$8.65M · loan HK$20.19M · min. income ≈ HK$215,894/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,225,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,360
−HK$7,422/mo
▼ 0.25% · 3.875%
HK$122,042
−HK$3,740/mo
Today · 4.125%
HK$125,782
baseline
▲ 0.50% · 4.625%
HK$133,436
+HK$7,654/mo
Deposit HK$2.88M · loan HK$25.95M · min. income ≈ HK$251,564/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,675
−HK$7,114/mo
▼ 0.25% · 3.875%
HK$135,206
−HK$3,583/mo
Today · 4.125%
HK$138,789
baseline
▲ 0.50% · 4.625%
HK$146,104
+HK$7,315/mo
Deposit HK$2.88M · loan HK$25.95M · min. income ≈ HK$277,578/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,572 · Scale 2, in force from 26 Feb 2026)