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$65,491
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$67,528
−HK$2,070/mo
Today · 4.125%
HK$69,598
baseline
▲ 0.50% · 4.625%
HK$73,833
+HK$4,235/mo
Deposit HK$14.36M · loan HK$14.36M · min. income ≈ HK$139,196/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,220,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,858
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$74,812
−HK$1,982/mo
Today · 4.125%
HK$76,794
baseline
▲ 0.50% · 4.625%
HK$80,842
+HK$4,048/mo
Deposit HK$14.36M · loan HK$14.36M · min. income ≈ HK$153,588/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,220,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,589
−HK$4,929/mo
▼ 0.25% · 3.875%
HK$81,034
−HK$2,484/mo
Today · 4.125%
HK$83,518
baseline
▲ 0.50% · 4.625%
HK$88,599
+HK$5,081/mo
Deposit HK$11.49M · loan HK$17.23M · min. income ≈ HK$167,036/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,220,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,430
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$89,775
−HK$2,378/mo
Today · 4.125%
HK$92,153
baseline
▲ 0.50% · 4.625%
HK$97,011
+HK$4,858/mo
Deposit HK$11.49M · loan HK$17.23M · min. income ≈ HK$184,306/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,220,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,688
−HK$5,749/mo
▼ 0.25% · 3.875%
HK$94,540
−HK$2,897/mo
Today · 4.125%
HK$97,437
baseline
▲ 0.50% · 4.625%
HK$103,366
+HK$5,929/mo
Deposit HK$8.62M · loan HK$20.10M · min. income ≈ HK$194,874/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,220,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,001
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$104,737
−HK$2,775/mo
Today · 4.125%
HK$107,512
baseline
▲ 0.50% · 4.625%
HK$113,179
+HK$5,667/mo
Deposit HK$8.62M · loan HK$20.10M · min. income ≈ HK$215,024/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,220,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,884
−HK$7,392/mo
▼ 0.25% · 3.875%
HK$121,551
−HK$3,725/mo
Today · 4.125%
HK$125,276
baseline
▲ 0.50% · 4.625%
HK$132,899
+HK$7,623/mo
Deposit HK$2.87M · loan HK$25.85M · min. income ≈ HK$250,552/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,220,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,145
−HK$7,085/mo
▼ 0.25% · 3.875%
HK$134,662
−HK$3,568/mo
Today · 4.125%
HK$138,230
baseline
▲ 0.50% · 4.625%
HK$145,516
+HK$7,286/mo
Deposit HK$2.87M · loan HK$25.85M · min. income ≈ HK$276,460/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,220,640 · Scale 2, in force from 26 Feb 2026)