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$65,542
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$67,581
−HK$2,071/mo
Today · 4.125%
HK$69,652
baseline
▲ 0.50% · 4.625%
HK$73,890
+HK$4,238/mo
Deposit HK$14.37M · loan HK$14.37M · min. income ≈ HK$139,304/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,221,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,915
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$74,871
−HK$1,983/mo
Today · 4.125%
HK$76,854
baseline
▲ 0.50% · 4.625%
HK$80,905
+HK$4,051/mo
Deposit HK$14.37M · loan HK$14.37M · min. income ≈ HK$153,708/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,221,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,651
−HK$4,932/mo
▼ 0.25% · 3.875%
HK$81,097
−HK$2,486/mo
Today · 4.125%
HK$83,583
baseline
▲ 0.50% · 4.625%
HK$88,668
+HK$5,085/mo
Deposit HK$11.50M · loan HK$17.25M · min. income ≈ HK$167,166/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$1,221,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,498
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$89,845
−HK$2,380/mo
Today · 4.125%
HK$92,225
baseline
▲ 0.50% · 4.625%
HK$97,087
+HK$4,862/mo
Deposit HK$11.50M · loan HK$17.25M · min. income ≈ HK$184,450/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$1,221,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,759
−HK$5,754/mo
▼ 0.25% · 3.875%
HK$94,613
−HK$2,900/mo
Today · 4.125%
HK$97,513
baseline
▲ 0.50% · 4.625%
HK$103,447
+HK$5,934/mo
Deposit HK$8.62M · loan HK$20.12M · min. income ≈ HK$195,026/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,221,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,081
−HK$5,515/mo
▼ 0.25% · 3.875%
HK$104,819
−HK$2,777/mo
Today · 4.125%
HK$107,596
baseline
▲ 0.50% · 4.625%
HK$113,268
+HK$5,672/mo
Deposit HK$8.62M · loan HK$20.12M · min. income ≈ HK$215,192/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,221,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,976
−HK$7,398/mo
▼ 0.25% · 3.875%
HK$121,646
−HK$3,728/mo
Today · 4.125%
HK$125,374
baseline
▲ 0.50% · 4.625%
HK$133,003
+HK$7,629/mo
Deposit HK$2.87M · loan HK$25.87M · min. income ≈ HK$250,748/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,221,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,247
−HK$7,091/mo
▼ 0.25% · 3.875%
HK$134,767
−HK$3,571/mo
Today · 4.125%
HK$138,338
baseline
▲ 0.50% · 4.625%
HK$145,630
+HK$7,292/mo
Deposit HK$2.87M · loan HK$25.87M · min. income ≈ HK$276,676/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,221,592 · Scale 2, in force from 26 Feb 2026)