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$65,625
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$67,666
−HK$2,074/mo
Today · 4.125%
HK$69,740
baseline
▲ 0.50% · 4.625%
HK$73,983
+HK$4,243/mo
Deposit HK$14.39M · loan HK$14.39M · min. income ≈ HK$139,480/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,223,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,007
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$74,965
−HK$1,986/mo
Today · 4.125%
HK$76,951
baseline
▲ 0.50% · 4.625%
HK$81,007
+HK$4,056/mo
Deposit HK$14.39M · loan HK$14.39M · min. income ≈ HK$153,902/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,223,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,749
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$81,199
−HK$2,489/mo
Today · 4.125%
HK$83,688
baseline
▲ 0.50% · 4.625%
HK$88,780
+HK$5,092/mo
Deposit HK$11.51M · loan HK$17.27M · min. income ≈ HK$167,376/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,223,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,608
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$89,958
−HK$2,383/mo
Today · 4.125%
HK$92,341
baseline
▲ 0.50% · 4.625%
HK$97,209
+HK$4,868/mo
Deposit HK$11.51M · loan HK$17.27M · min. income ≈ HK$184,682/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,223,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,874
−HK$5,762/mo
▼ 0.25% · 3.875%
HK$94,732
−HK$2,904/mo
Today · 4.125%
HK$97,636
baseline
▲ 0.50% · 4.625%
HK$103,577
+HK$5,941/mo
Deposit HK$8.63M · loan HK$20.15M · min. income ≈ HK$195,272/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,209
−HK$5,522/mo
▼ 0.25% · 3.875%
HK$104,950
−HK$2,781/mo
Today · 4.125%
HK$107,731
baseline
▲ 0.50% · 4.625%
HK$113,410
+HK$5,679/mo
Deposit HK$8.63M · loan HK$20.15M · min. income ≈ HK$215,462/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,124
−HK$7,408/mo
▼ 0.25% · 3.875%
HK$121,798
−HK$3,734/mo
Today · 4.125%
HK$125,532
baseline
▲ 0.50% · 4.625%
HK$133,170
+HK$7,638/mo
Deposit HK$2.88M · loan HK$25.90M · min. income ≈ HK$251,064/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,412
−HK$7,100/mo
▼ 0.25% · 3.875%
HK$134,936
−HK$3,576/mo
Today · 4.125%
HK$138,512
baseline
▲ 0.50% · 4.625%
HK$145,813
+HK$7,301/mo
Deposit HK$2.88M · loan HK$25.90M · min. income ≈ HK$277,024/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,127 · Scale 2, in force from 26 Feb 2026)