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$65,521
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$67,560
−HK$2,070/mo
Today · 4.125%
HK$69,630
baseline
▲ 0.50% · 4.625%
HK$73,867
+HK$4,237/mo
Deposit HK$14.37M · loan HK$14.37M · min. income ≈ HK$139,260/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,221,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,892
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$74,847
−HK$1,983/mo
Today · 4.125%
HK$76,830
baseline
▲ 0.50% · 4.625%
HK$80,880
+HK$4,050/mo
Deposit HK$14.37M · loan HK$14.37M · min. income ≈ HK$153,660/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,221,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,626
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$81,071
−HK$2,485/mo
Today · 4.125%
HK$83,556
baseline
▲ 0.50% · 4.625%
HK$88,640
+HK$5,084/mo
Deposit HK$11.49M · loan HK$17.24M · min. income ≈ HK$167,112/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,221,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,470
−HK$4,726/mo
▼ 0.25% · 3.875%
HK$89,816
−HK$2,380/mo
Today · 4.125%
HK$92,196
baseline
▲ 0.50% · 4.625%
HK$97,056
+HK$4,860/mo
Deposit HK$11.49M · loan HK$17.24M · min. income ≈ HK$184,392/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,221,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,730
−HK$5,752/mo
▼ 0.25% · 3.875%
HK$94,583
−HK$2,899/mo
Today · 4.125%
HK$97,482
baseline
▲ 0.50% · 4.625%
HK$103,414
+HK$5,932/mo
Deposit HK$8.62M · loan HK$20.11M · min. income ≈ HK$194,964/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,221,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,049
−HK$5,513/mo
▼ 0.25% · 3.875%
HK$104,786
−HK$2,776/mo
Today · 4.125%
HK$107,562
baseline
▲ 0.50% · 4.625%
HK$113,232
+HK$5,670/mo
Deposit HK$8.62M · loan HK$20.11M · min. income ≈ HK$215,124/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,221,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,939
−HK$7,395/mo
▼ 0.25% · 3.875%
HK$121,607
−HK$3,727/mo
Today · 4.125%
HK$125,334
baseline
▲ 0.50% · 4.625%
HK$132,961
+HK$7,627/mo
Deposit HK$2.87M · loan HK$25.86M · min. income ≈ HK$250,668/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,221,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,205
−HK$7,089/mo
▼ 0.25% · 3.875%
HK$134,724
−HK$3,570/mo
Today · 4.125%
HK$138,294
baseline
▲ 0.50% · 4.625%
HK$145,584
+HK$7,290/mo
Deposit HK$2.87M · loan HK$25.86M · min. income ≈ HK$276,588/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,221,205 · Scale 2, in force from 26 Feb 2026)