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$65,833
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$67,881
−HK$2,081/mo
Today · 4.125%
HK$69,962
baseline
▲ 0.50% · 4.625%
HK$74,219
+HK$4,257/mo
Deposit HK$14.44M · loan HK$14.44M · min. income ≈ HK$139,924/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,227,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,239
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$75,203
−HK$1,993/mo
Today · 4.125%
HK$77,196
baseline
▲ 0.50% · 4.625%
HK$81,265
+HK$4,069/mo
Deposit HK$14.44M · loan HK$14.44M · min. income ≈ HK$154,392/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,227,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,000
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$81,457
−HK$2,497/mo
Today · 4.125%
HK$83,954
baseline
▲ 0.50% · 4.625%
HK$89,063
+HK$5,109/mo
Deposit HK$11.55M · loan HK$17.32M · min. income ≈ HK$167,908/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,227,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,887
−HK$4,748/mo
▼ 0.25% · 3.875%
HK$90,244
−HK$2,391/mo
Today · 4.125%
HK$92,635
baseline
▲ 0.50% · 4.625%
HK$97,518
+HK$4,883/mo
Deposit HK$11.55M · loan HK$17.32M · min. income ≈ HK$185,270/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,227,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,167
−HK$5,779/mo
▼ 0.25% · 3.875%
HK$95,034
−HK$2,912/mo
Today · 4.125%
HK$97,946
baseline
▲ 0.50% · 4.625%
HK$103,906
+HK$5,960/mo
Deposit HK$8.66M · loan HK$20.21M · min. income ≈ HK$195,892/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$1,227,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,535
−HK$5,539/mo
▼ 0.25% · 3.875%
HK$105,285
−HK$2,789/mo
Today · 4.125%
HK$108,074
baseline
▲ 0.50% · 4.625%
HK$113,771
+HK$5,697/mo
Deposit HK$8.66M · loan HK$20.21M · min. income ≈ HK$216,148/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$1,227,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,500
−HK$7,431/mo
▼ 0.25% · 3.875%
HK$122,186
−HK$3,745/mo
Today · 4.125%
HK$125,931
baseline
▲ 0.50% · 4.625%
HK$133,594
+HK$7,663/mo
Deposit HK$2.89M · loan HK$25.98M · min. income ≈ HK$251,862/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,227,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,830
−HK$7,123/mo
▼ 0.25% · 3.875%
HK$135,366
−HK$3,587/mo
Today · 4.125%
HK$138,953
baseline
▲ 0.50% · 4.625%
HK$146,277
+HK$7,324/mo
Deposit HK$2.89M · loan HK$25.98M · min. income ≈ HK$277,906/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,227,021 · Scale 2, in force from 26 Feb 2026)