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$65,843
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$67,891
−HK$2,081/mo
Today · 4.125%
HK$69,972
baseline
▲ 0.50% · 4.625%
HK$74,229
+HK$4,257/mo
Deposit HK$14.44M · loan HK$14.44M · min. income ≈ HK$139,944/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,227,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,249
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$75,214
−HK$1,993/mo
Today · 4.125%
HK$77,207
baseline
▲ 0.50% · 4.625%
HK$81,276
+HK$4,069/mo
Deposit HK$14.44M · loan HK$14.44M · min. income ≈ HK$154,414/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,227,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,011
−HK$4,955/mo
▼ 0.25% · 3.875%
HK$81,469
−HK$2,497/mo
Today · 4.125%
HK$83,966
baseline
▲ 0.50% · 4.625%
HK$89,075
+HK$5,109/mo
Deposit HK$11.55M · loan HK$17.33M · min. income ≈ HK$167,932/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,227,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,899
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$90,257
−HK$2,391/mo
Today · 4.125%
HK$92,648
baseline
▲ 0.50% · 4.625%
HK$97,532
+HK$4,884/mo
Deposit HK$11.55M · loan HK$17.33M · min. income ≈ HK$185,296/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,227,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,180
−HK$5,780/mo
▼ 0.25% · 3.875%
HK$95,047
−HK$2,913/mo
Today · 4.125%
HK$97,960
baseline
▲ 0.50% · 4.625%
HK$103,921
+HK$5,961/mo
Deposit HK$8.66M · loan HK$20.21M · min. income ≈ HK$195,920/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$1,227,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,549
−HK$5,540/mo
▼ 0.25% · 3.875%
HK$105,299
−HK$2,790/mo
Today · 4.125%
HK$108,089
baseline
▲ 0.50% · 4.625%
HK$113,787
+HK$5,698/mo
Deposit HK$8.66M · loan HK$20.21M · min. income ≈ HK$216,178/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$1,227,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,517
−HK$7,432/mo
▼ 0.25% · 3.875%
HK$122,203
−HK$3,746/mo
Today · 4.125%
HK$125,949
baseline
▲ 0.50% · 4.625%
HK$133,612
+HK$7,663/mo
Deposit HK$2.89M · loan HK$25.99M · min. income ≈ HK$251,898/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,227,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,849
−HK$7,123/mo
▼ 0.25% · 3.875%
HK$135,385
−HK$3,587/mo
Today · 4.125%
HK$138,972
baseline
▲ 0.50% · 4.625%
HK$146,297
+HK$7,325/mo
Deposit HK$2.89M · loan HK$25.99M · min. income ≈ HK$277,944/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,227,192 · Scale 2, in force from 26 Feb 2026)