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$65,811
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$67,859
−HK$2,079/mo
Today · 4.125%
HK$69,938
baseline
▲ 0.50% · 4.625%
HK$74,194
+HK$4,256/mo
Deposit HK$14.43M · loan HK$14.43M · min. income ≈ HK$139,876/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,226,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,215
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$75,178
−HK$1,992/mo
Today · 4.125%
HK$77,170
baseline
▲ 0.50% · 4.625%
HK$81,238
+HK$4,068/mo
Deposit HK$14.43M · loan HK$14.43M · min. income ≈ HK$154,340/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,226,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,974
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$81,430
−HK$2,496/mo
Today · 4.125%
HK$83,926
baseline
▲ 0.50% · 4.625%
HK$89,033
+HK$5,107/mo
Deposit HK$11.54M · loan HK$17.32M · min. income ≈ HK$167,852/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,226,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,858
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$90,214
−HK$2,390/mo
Today · 4.125%
HK$92,604
baseline
▲ 0.50% · 4.625%
HK$97,486
+HK$4,882/mo
Deposit HK$11.54M · loan HK$17.32M · min. income ≈ HK$185,208/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,226,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,136
−HK$5,778/mo
▼ 0.25% · 3.875%
HK$95,002
−HK$2,912/mo
Today · 4.125%
HK$97,914
baseline
▲ 0.50% · 4.625%
HK$103,872
+HK$5,958/mo
Deposit HK$8.66M · loan HK$20.20M · min. income ≈ HK$195,828/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$1,226,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,500
−HK$5,538/mo
▼ 0.25% · 3.875%
HK$105,249
−HK$2,789/mo
Today · 4.125%
HK$108,038
baseline
▲ 0.50% · 4.625%
HK$113,733
+HK$5,695/mo
Deposit HK$8.66M · loan HK$20.20M · min. income ≈ HK$216,076/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$1,226,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,461
−HK$7,428/mo
▼ 0.25% · 3.875%
HK$122,145
−HK$3,744/mo
Today · 4.125%
HK$125,889
baseline
▲ 0.50% · 4.625%
HK$133,549
+HK$7,660/mo
Deposit HK$2.89M · loan HK$25.98M · min. income ≈ HK$251,778/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,226,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,786
−HK$7,120/mo
▼ 0.25% · 3.875%
HK$135,321
−HK$3,585/mo
Today · 4.125%
HK$138,906
baseline
▲ 0.50% · 4.625%
HK$146,228
+HK$7,322/mo
Deposit HK$2.89M · loan HK$25.98M · min. income ≈ HK$277,812/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,226,612 · Scale 2, in force from 26 Feb 2026)