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$4,106/mo
▼ 0.25% · 3.875%
HK$67,528
−HK$2,069/mo
Today · 4.125%
HK$69,597
baseline
▲ 0.50% · 4.625%
HK$73,832
+HK$4,235/mo
Deposit HK$14.36M · loan HK$14.36M · min. income ≈ HK$139,194/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,220,629 · 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$1,220,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,589
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$81,033
−HK$2,484/mo
Today · 4.125%
HK$83,517
baseline
▲ 0.50% · 4.625%
HK$88,599
+HK$5,082/mo
Deposit HK$11.49M · loan HK$17.23M · min. income ≈ HK$167,034/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,220,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,429
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$89,774
−HK$2,379/mo
Today · 4.125%
HK$92,153
baseline
▲ 0.50% · 4.625%
HK$97,010
+HK$4,857/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$1,220,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,687
−HK$5,749/mo
▼ 0.25% · 3.875%
HK$94,539
−HK$2,897/mo
Today · 4.125%
HK$97,436
baseline
▲ 0.50% · 4.625%
HK$103,365
+HK$5,929/mo
Deposit HK$8.62M · loan HK$20.10M · min. income ≈ HK$194,872/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,220,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,001
−HK$5,510/mo
▼ 0.25% · 3.875%
HK$104,736
−HK$2,775/mo
Today · 4.125%
HK$107,511
baseline
▲ 0.50% · 4.625%
HK$113,178
+HK$5,667/mo
Deposit HK$8.62M · loan HK$20.10M · min. income ≈ HK$215,022/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,220,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,883
−HK$7,392/mo
▼ 0.25% · 3.875%
HK$121,550
−HK$3,725/mo
Today · 4.125%
HK$125,275
baseline
▲ 0.50% · 4.625%
HK$132,898
+HK$7,623/mo
Deposit HK$2.87M · loan HK$25.85M · min. income ≈ HK$250,550/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,220,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,144
−HK$7,085/mo
▼ 0.25% · 3.875%
HK$134,661
−HK$3,568/mo
Today · 4.125%
HK$138,229
baseline
▲ 0.50% · 4.625%
HK$145,515
+HK$7,286/mo
Deposit HK$2.87M · loan HK$25.85M · min. income ≈ HK$276,458/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,220,629 · Scale 2, in force from 26 Feb 2026)