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$65,759
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$67,805
−HK$2,078/mo
Today · 4.125%
HK$69,883
baseline
▲ 0.50% · 4.625%
HK$74,135
+HK$4,252/mo
Deposit HK$14.42M · loan HK$14.42M · min. income ≈ HK$139,766/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,225,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,156
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$75,118
−HK$1,991/mo
Today · 4.125%
HK$77,109
baseline
▲ 0.50% · 4.625%
HK$81,173
+HK$4,064/mo
Deposit HK$14.42M · loan HK$14.42M · min. income ≈ HK$154,218/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,225,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,911
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$81,366
−HK$2,493/mo
Today · 4.125%
HK$83,859
baseline
▲ 0.50% · 4.625%
HK$88,962
+HK$5,103/mo
Deposit HK$11.54M · loan HK$17.30M · min. income ≈ HK$167,718/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,788
−HK$4,743/mo
▼ 0.25% · 3.875%
HK$90,142
−HK$2,389/mo
Today · 4.125%
HK$92,531
baseline
▲ 0.50% · 4.625%
HK$97,408
+HK$4,877/mo
Deposit HK$11.54M · loan HK$17.30M · min. income ≈ HK$185,062/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,063
−HK$5,773/mo
▼ 0.25% · 3.875%
HK$94,927
−HK$2,909/mo
Today · 4.125%
HK$97,836
baseline
▲ 0.50% · 4.625%
HK$103,789
+HK$5,953/mo
Deposit HK$8.65M · loan HK$20.19M · min. income ≈ HK$195,672/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,225,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,419
−HK$5,533/mo
▼ 0.25% · 3.875%
HK$105,166
−HK$2,786/mo
Today · 4.125%
HK$107,952
baseline
▲ 0.50% · 4.625%
HK$113,643
+HK$5,691/mo
Deposit HK$8.65M · loan HK$20.19M · min. income ≈ HK$215,904/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,225,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,366
−HK$7,423/mo
▼ 0.25% · 3.875%
HK$122,048
−HK$3,741/mo
Today · 4.125%
HK$125,789
baseline
▲ 0.50% · 4.625%
HK$133,443
+HK$7,654/mo
Deposit HK$2.88M · loan HK$25.95M · min. income ≈ HK$251,578/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,682
−HK$7,114/mo
▼ 0.25% · 3.875%
HK$135,213
−HK$3,583/mo
Today · 4.125%
HK$138,796
baseline
▲ 0.50% · 4.625%
HK$146,112
+HK$7,316/mo
Deposit HK$2.88M · loan HK$25.95M · min. income ≈ HK$277,592/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,637 · Scale 2, in force from 26 Feb 2026)