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$65,777
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$67,823
−HK$2,079/mo
Today · 4.125%
HK$69,902
baseline
▲ 0.50% · 4.625%
HK$74,155
+HK$4,253/mo
Deposit HK$14.42M · loan HK$14.42M · min. income ≈ HK$139,804/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,225,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,176
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$75,139
−HK$1,990/mo
Today · 4.125%
HK$77,129
baseline
▲ 0.50% · 4.625%
HK$81,195
+HK$4,066/mo
Deposit HK$14.42M · loan HK$14.42M · min. income ≈ HK$154,258/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,225,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,932
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$81,387
−HK$2,495/mo
Today · 4.125%
HK$83,882
baseline
▲ 0.50% · 4.625%
HK$88,986
+HK$5,104/mo
Deposit HK$11.54M · loan HK$17.31M · min. income ≈ HK$167,764/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,811
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$90,166
−HK$2,389/mo
Today · 4.125%
HK$92,555
baseline
▲ 0.50% · 4.625%
HK$97,434
+HK$4,879/mo
Deposit HK$11.54M · loan HK$17.31M · min. income ≈ HK$185,110/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,087
−HK$5,775/mo
▼ 0.25% · 3.875%
HK$94,952
−HK$2,910/mo
Today · 4.125%
HK$97,862
baseline
▲ 0.50% · 4.625%
HK$103,817
+HK$5,955/mo
Deposit HK$8.65M · loan HK$20.19M · min. income ≈ HK$195,724/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,225,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,446
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$105,194
−HK$2,787/mo
Today · 4.125%
HK$107,981
baseline
▲ 0.50% · 4.625%
HK$113,673
+HK$5,692/mo
Deposit HK$8.65M · loan HK$20.19M · min. income ≈ HK$215,962/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,225,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,398
−HK$7,425/mo
▼ 0.25% · 3.875%
HK$122,081
−HK$3,742/mo
Today · 4.125%
HK$125,823
baseline
▲ 0.50% · 4.625%
HK$133,479
+HK$7,656/mo
Deposit HK$2.88M · loan HK$25.96M · min. income ≈ HK$251,646/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,717
−HK$7,116/mo
▼ 0.25% · 3.875%
HK$135,249
−HK$3,584/mo
Today · 4.125%
HK$138,833
baseline
▲ 0.50% · 4.625%
HK$146,151
+HK$7,318/mo
Deposit HK$2.88M · loan HK$25.96M · min. income ≈ HK$277,666/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,965 · Scale 2, in force from 26 Feb 2026)