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$65,642
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$67,684
−HK$2,074/mo
Today · 4.125%
HK$69,758
baseline
▲ 0.50% · 4.625%
HK$74,003
+HK$4,245/mo
Deposit HK$14.39M · loan HK$14.39M · min. income ≈ HK$139,516/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,223,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,026
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$74,985
−HK$1,987/mo
Today · 4.125%
HK$76,972
baseline
▲ 0.50% · 4.625%
HK$81,029
+HK$4,057/mo
Deposit HK$14.39M · loan HK$14.39M · min. income ≈ HK$153,944/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,223,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,771
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$81,221
−HK$2,489/mo
Today · 4.125%
HK$83,710
baseline
▲ 0.50% · 4.625%
HK$88,804
+HK$5,094/mo
Deposit HK$11.51M · loan HK$17.27M · min. income ≈ HK$167,420/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,223,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,631
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$89,982
−HK$2,384/mo
Today · 4.125%
HK$92,366
baseline
▲ 0.50% · 4.625%
HK$97,235
+HK$4,869/mo
Deposit HK$11.51M · loan HK$17.27M · min. income ≈ HK$184,732/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,223,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,899
−HK$5,763/mo
▼ 0.25% · 3.875%
HK$94,757
−HK$2,905/mo
Today · 4.125%
HK$97,662
baseline
▲ 0.50% · 4.625%
HK$103,604
+HK$5,942/mo
Deposit HK$8.64M · loan HK$20.15M · min. income ≈ HK$195,324/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,237
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$104,979
−HK$2,781/mo
Today · 4.125%
HK$107,760
baseline
▲ 0.50% · 4.625%
HK$113,440
+HK$5,680/mo
Deposit HK$8.64M · loan HK$20.15M · min. income ≈ HK$215,520/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,156
−HK$7,409/mo
▼ 0.25% · 3.875%
HK$121,831
−HK$3,734/mo
Today · 4.125%
HK$125,565
baseline
▲ 0.50% · 4.625%
HK$133,205
+HK$7,640/mo
Deposit HK$2.88M · loan HK$25.91M · min. income ≈ HK$251,130/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,447
−HK$7,102/mo
▼ 0.25% · 3.875%
HK$134,972
−HK$3,577/mo
Today · 4.125%
HK$138,549
baseline
▲ 0.50% · 4.625%
HK$145,852
+HK$7,303/mo
Deposit HK$2.88M · loan HK$25.91M · min. income ≈ HK$277,098/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,454 · Scale 2, in force from 26 Feb 2026)