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$65,782
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$67,828
−HK$2,079/mo
Today · 4.125%
HK$69,907
baseline
▲ 0.50% · 4.625%
HK$74,161
+HK$4,254/mo
Deposit HK$14.42M · loan HK$14.42M · min. income ≈ HK$139,814/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,226,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,182
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$75,144
−HK$1,992/mo
Today · 4.125%
HK$77,136
baseline
▲ 0.50% · 4.625%
HK$81,201
+HK$4,065/mo
Deposit HK$14.42M · loan HK$14.42M · min. income ≈ HK$154,272/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,226,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,938
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$81,394
−HK$2,494/mo
Today · 4.125%
HK$83,888
baseline
▲ 0.50% · 4.625%
HK$88,993
+HK$5,105/mo
Deposit HK$11.54M · loan HK$17.31M · min. income ≈ HK$167,776/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,226,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,818
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$90,173
−HK$2,390/mo
Today · 4.125%
HK$92,563
baseline
▲ 0.50% · 4.625%
HK$97,442
+HK$4,879/mo
Deposit HK$11.54M · loan HK$17.31M · min. income ≈ HK$185,126/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,226,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,095
−HK$5,775/mo
▼ 0.25% · 3.875%
HK$94,959
−HK$2,911/mo
Today · 4.125%
HK$97,870
baseline
▲ 0.50% · 4.625%
HK$103,825
+HK$5,955/mo
Deposit HK$8.65M · loan HK$20.19M · min. income ≈ HK$195,740/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,226,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,454
−HK$5,536/mo
▼ 0.25% · 3.875%
HK$105,202
−HK$2,788/mo
Today · 4.125%
HK$107,990
baseline
▲ 0.50% · 4.625%
HK$113,682
+HK$5,692/mo
Deposit HK$8.65M · loan HK$20.19M · min. income ≈ HK$215,980/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,226,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,407
−HK$7,426/mo
▼ 0.25% · 3.875%
HK$122,091
−HK$3,742/mo
Today · 4.125%
HK$125,833
baseline
▲ 0.50% · 4.625%
HK$133,489
+HK$7,656/mo
Deposit HK$2.88M · loan HK$25.96M · min. income ≈ HK$251,666/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,226,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,727
−HK$7,117/mo
▼ 0.25% · 3.875%
HK$135,260
−HK$3,584/mo
Today · 4.125%
HK$138,844
baseline
▲ 0.50% · 4.625%
HK$146,163
+HK$7,319/mo
Deposit HK$2.88M · loan HK$25.96M · min. income ≈ HK$277,688/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,226,061 · Scale 2, in force from 26 Feb 2026)