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$65,809
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$67,856
−HK$2,080/mo
Today · 4.125%
HK$69,936
baseline
▲ 0.50% · 4.625%
HK$74,192
+HK$4,256/mo
Deposit HK$14.43M · loan HK$14.43M · min. income ≈ HK$139,872/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,226,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,212
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$75,176
−HK$1,992/mo
Today · 4.125%
HK$77,168
baseline
▲ 0.50% · 4.625%
HK$81,235
+HK$4,067/mo
Deposit HK$14.43M · loan HK$14.43M · min. income ≈ HK$154,336/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,226,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,971
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$81,428
−HK$2,495/mo
Today · 4.125%
HK$83,923
baseline
▲ 0.50% · 4.625%
HK$89,030
+HK$5,107/mo
Deposit HK$11.54M · loan HK$17.32M · min. income ≈ HK$167,846/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,226,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,855
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$90,211
−HK$2,390/mo
Today · 4.125%
HK$92,601
baseline
▲ 0.50% · 4.625%
HK$97,482
+HK$4,881/mo
Deposit HK$11.54M · loan HK$17.32M · min. income ≈ HK$185,202/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,226,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,133
−HK$5,778/mo
▼ 0.25% · 3.875%
HK$94,999
−HK$2,912/mo
Today · 4.125%
HK$97,911
baseline
▲ 0.50% · 4.625%
HK$103,868
+HK$5,957/mo
Deposit HK$8.66M · loan HK$20.20M · min. income ≈ HK$195,822/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,226,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,497
−HK$5,538/mo
▼ 0.25% · 3.875%
HK$105,246
−HK$2,789/mo
Today · 4.125%
HK$108,035
baseline
▲ 0.50% · 4.625%
HK$113,729
+HK$5,694/mo
Deposit HK$8.66M · loan HK$20.20M · min. income ≈ HK$216,070/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,226,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,457
−HK$7,428/mo
▼ 0.25% · 3.875%
HK$122,141
−HK$3,744/mo
Today · 4.125%
HK$125,885
baseline
▲ 0.50% · 4.625%
HK$133,545
+HK$7,660/mo
Deposit HK$2.89M · loan HK$25.97M · min. income ≈ HK$251,770/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,226,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,782
−HK$7,120/mo
▼ 0.25% · 3.875%
HK$135,316
−HK$3,586/mo
Today · 4.125%
HK$138,902
baseline
▲ 0.50% · 4.625%
HK$146,223
+HK$7,321/mo
Deposit HK$2.89M · loan HK$25.97M · min. income ≈ HK$277,804/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,226,570 · Scale 2, in force from 26 Feb 2026)