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$65,736
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$67,781
−HK$2,078/mo
Today · 4.125%
HK$69,859
baseline
▲ 0.50% · 4.625%
HK$74,109
+HK$4,250/mo
Deposit HK$14.41M · loan HK$14.41M · min. income ≈ HK$139,718/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,225,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,131
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$75,092
−HK$1,990/mo
Today · 4.125%
HK$77,082
baseline
▲ 0.50% · 4.625%
HK$81,145
+HK$4,063/mo
Deposit HK$14.41M · loan HK$14.41M · min. income ≈ HK$154,164/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,225,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,884
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$81,337
−HK$2,493/mo
Today · 4.125%
HK$83,830
baseline
▲ 0.50% · 4.625%
HK$88,931
+HK$5,101/mo
Deposit HK$11.53M · loan HK$17.30M · min. income ≈ HK$167,660/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,757
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$90,111
−HK$2,387/mo
Today · 4.125%
HK$92,498
baseline
▲ 0.50% · 4.625%
HK$97,374
+HK$4,876/mo
Deposit HK$11.53M · loan HK$17.30M · min. income ≈ HK$184,996/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,031
−HK$5,771/mo
▼ 0.25% · 3.875%
HK$94,893
−HK$2,909/mo
Today · 4.125%
HK$97,802
baseline
▲ 0.50% · 4.625%
HK$103,753
+HK$5,951/mo
Deposit HK$8.65M · loan HK$20.18M · min. income ≈ HK$195,604/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$1,225,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,383
−HK$5,532/mo
▼ 0.25% · 3.875%
HK$105,129
−HK$2,786/mo
Today · 4.125%
HK$107,915
baseline
▲ 0.50% · 4.625%
HK$113,603
+HK$5,688/mo
Deposit HK$8.65M · loan HK$20.18M · min. income ≈ HK$215,830/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$1,225,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,325
−HK$7,420/mo
▼ 0.25% · 3.875%
HK$122,006
−HK$3,739/mo
Today · 4.125%
HK$125,745
baseline
▲ 0.50% · 4.625%
HK$133,397
+HK$7,652/mo
Deposit HK$2.88M · loan HK$25.95M · min. income ≈ HK$251,490/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,636
−HK$7,112/mo
▼ 0.25% · 3.875%
HK$135,166
−HK$3,582/mo
Today · 4.125%
HK$138,748
baseline
▲ 0.50% · 4.625%
HK$146,061
+HK$7,313/mo
Deposit HK$2.88M · loan HK$25.95M · min. income ≈ HK$277,496/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,210 · Scale 2, in force from 26 Feb 2026)