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$65,597
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$67,637
−HK$2,073/mo
Today · 4.125%
HK$69,710
baseline
▲ 0.50% · 4.625%
HK$73,952
+HK$4,242/mo
Deposit HK$14.38M · loan HK$14.38M · min. income ≈ HK$139,420/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,222,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,976
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$74,933
−HK$1,986/mo
Today · 4.125%
HK$76,919
baseline
▲ 0.50% · 4.625%
HK$80,973
+HK$4,054/mo
Deposit HK$14.38M · loan HK$14.38M · min. income ≈ HK$153,838/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,222,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,716
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$81,165
−HK$2,487/mo
Today · 4.125%
HK$83,652
baseline
▲ 0.50% · 4.625%
HK$88,743
+HK$5,091/mo
Deposit HK$11.51M · loan HK$17.26M · min. income ≈ HK$167,304/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,222,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,571
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$89,920
−HK$2,382/mo
Today · 4.125%
HK$92,302
baseline
▲ 0.50% · 4.625%
HK$97,168
+HK$4,866/mo
Deposit HK$11.51M · loan HK$17.26M · min. income ≈ HK$184,604/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,222,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,836
−HK$5,759/mo
▼ 0.25% · 3.875%
HK$94,692
−HK$2,903/mo
Today · 4.125%
HK$97,595
baseline
▲ 0.50% · 4.625%
HK$103,533
+HK$5,938/mo
Deposit HK$8.63M · loan HK$20.14M · min. income ≈ HK$195,190/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$1,222,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,166
−HK$5,520/mo
▼ 0.25% · 3.875%
HK$104,906
−HK$2,780/mo
Today · 4.125%
HK$107,686
baseline
▲ 0.50% · 4.625%
HK$113,362
+HK$5,676/mo
Deposit HK$8.63M · loan HK$20.14M · min. income ≈ HK$215,372/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$1,222,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,074
−HK$7,405/mo
▼ 0.25% · 3.875%
HK$121,747
−HK$3,732/mo
Today · 4.125%
HK$125,479
baseline
▲ 0.50% · 4.625%
HK$133,114
+HK$7,635/mo
Deposit HK$2.88M · loan HK$25.89M · min. income ≈ HK$250,958/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,222,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,357
−HK$7,096/mo
▼ 0.25% · 3.875%
HK$134,880
−HK$3,573/mo
Today · 4.125%
HK$138,453
baseline
▲ 0.50% · 4.625%
HK$145,751
+HK$7,298/mo
Deposit HK$2.88M · loan HK$25.89M · min. income ≈ HK$276,906/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,222,612 · Scale 2, in force from 26 Feb 2026)