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$65,632
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$67,674
−HK$2,074/mo
Today · 4.125%
HK$69,748
baseline
▲ 0.50% · 4.625%
HK$73,992
+HK$4,244/mo
Deposit HK$14.39M · loan HK$14.39M · min. income ≈ HK$139,496/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,223,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,015
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$74,973
−HK$1,987/mo
Today · 4.125%
HK$76,960
baseline
▲ 0.50% · 4.625%
HK$81,016
+HK$4,056/mo
Deposit HK$14.39M · loan HK$14.39M · min. income ≈ HK$153,920/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,223,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,758
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$81,208
−HK$2,489/mo
Today · 4.125%
HK$83,697
baseline
▲ 0.50% · 4.625%
HK$88,790
+HK$5,093/mo
Deposit HK$11.51M · loan HK$17.27M · min. income ≈ HK$167,394/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,223,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,618
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$89,968
−HK$2,384/mo
Today · 4.125%
HK$92,352
baseline
▲ 0.50% · 4.625%
HK$97,220
+HK$4,868/mo
Deposit HK$11.51M · loan HK$17.27M · min. income ≈ HK$184,704/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,223,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,885
−HK$5,762/mo
▼ 0.25% · 3.875%
HK$94,743
−HK$2,904/mo
Today · 4.125%
HK$97,647
baseline
▲ 0.50% · 4.625%
HK$103,588
+HK$5,941/mo
Deposit HK$8.63M · loan HK$20.15M · min. income ≈ HK$195,294/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,221
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$104,962
−HK$2,782/mo
Today · 4.125%
HK$107,744
baseline
▲ 0.50% · 4.625%
HK$113,423
+HK$5,679/mo
Deposit HK$8.63M · loan HK$20.15M · min. income ≈ HK$215,488/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,138
−HK$7,408/mo
▼ 0.25% · 3.875%
HK$121,812
−HK$3,734/mo
Today · 4.125%
HK$125,546
baseline
▲ 0.50% · 4.625%
HK$133,185
+HK$7,639/mo
Deposit HK$2.88M · loan HK$25.90M · min. income ≈ HK$251,092/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,427
−HK$7,101/mo
▼ 0.25% · 3.875%
HK$134,952
−HK$3,576/mo
Today · 4.125%
HK$138,528
baseline
▲ 0.50% · 4.625%
HK$145,830
+HK$7,302/mo
Deposit HK$2.88M · loan HK$25.90M · min. income ≈ HK$277,056/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,267 · Scale 2, in force from 26 Feb 2026)