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$65,838
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$67,886
−HK$2,080/mo
Today · 4.125%
HK$69,966
baseline
▲ 0.50% · 4.625%
HK$74,224
+HK$4,258/mo
Deposit HK$14.44M · loan HK$14.44M · min. income ≈ HK$139,932/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,227,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,244
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$75,208
−HK$1,993/mo
Today · 4.125%
HK$77,201
baseline
▲ 0.50% · 4.625%
HK$81,270
+HK$4,069/mo
Deposit HK$14.44M · loan HK$14.44M · min. income ≈ HK$154,402/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,227,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,005
−HK$4,955/mo
▼ 0.25% · 3.875%
HK$81,463
−HK$2,497/mo
Today · 4.125%
HK$83,960
baseline
▲ 0.50% · 4.625%
HK$89,068
+HK$5,108/mo
Deposit HK$11.55M · loan HK$17.32M · min. income ≈ HK$167,920/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,227,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,893
−HK$4,748/mo
▼ 0.25% · 3.875%
HK$90,250
−HK$2,391/mo
Today · 4.125%
HK$92,641
baseline
▲ 0.50% · 4.625%
HK$97,524
+HK$4,883/mo
Deposit HK$11.55M · loan HK$17.32M · min. income ≈ HK$185,282/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,227,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,173
−HK$5,780/mo
▼ 0.25% · 3.875%
HK$95,040
−HK$2,913/mo
Today · 4.125%
HK$97,953
baseline
▲ 0.50% · 4.625%
HK$103,913
+HK$5,960/mo
Deposit HK$8.66M · loan HK$20.21M · min. income ≈ HK$195,906/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$1,227,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,541
−HK$5,540/mo
▼ 0.25% · 3.875%
HK$105,291
−HK$2,790/mo
Today · 4.125%
HK$108,081
baseline
▲ 0.50% · 4.625%
HK$113,778
+HK$5,697/mo
Deposit HK$8.66M · loan HK$20.21M · min. income ≈ HK$216,162/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$1,227,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,508
−HK$7,431/mo
▼ 0.25% · 3.875%
HK$122,194
−HK$3,745/mo
Today · 4.125%
HK$125,939
baseline
▲ 0.50% · 4.625%
HK$133,602
+HK$7,663/mo
Deposit HK$2.89M · loan HK$25.99M · min. income ≈ HK$251,878/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,227,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,839
−HK$7,123/mo
▼ 0.25% · 3.875%
HK$135,375
−HK$3,587/mo
Today · 4.125%
HK$138,962
baseline
▲ 0.50% · 4.625%
HK$146,286
+HK$7,324/mo
Deposit HK$2.89M · loan HK$25.99M · min. income ≈ HK$277,924/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,227,100 · Scale 2, in force from 26 Feb 2026)