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$65,626
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$67,668
−HK$2,074/mo
Today · 4.125%
HK$69,742
baseline
▲ 0.50% · 4.625%
HK$73,985
+HK$4,243/mo
Deposit HK$14.39M · loan HK$14.39M · min. income ≈ HK$139,484/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,223,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,009
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$74,967
−HK$1,986/mo
Today · 4.125%
HK$76,953
baseline
▲ 0.50% · 4.625%
HK$81,009
+HK$4,056/mo
Deposit HK$14.39M · loan HK$14.39M · min. income ≈ HK$153,906/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,223,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,752
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$81,201
−HK$2,489/mo
Today · 4.125%
HK$83,690
baseline
▲ 0.50% · 4.625%
HK$88,782
+HK$5,092/mo
Deposit HK$11.51M · loan HK$17.27M · min. income ≈ HK$167,380/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,223,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,610
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$89,960
−HK$2,384/mo
Today · 4.125%
HK$92,344
baseline
▲ 0.50% · 4.625%
HK$97,211
+HK$4,867/mo
Deposit HK$11.51M · loan HK$17.27M · min. income ≈ HK$184,688/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,223,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,877
−HK$5,761/mo
▼ 0.25% · 3.875%
HK$94,735
−HK$2,903/mo
Today · 4.125%
HK$97,638
baseline
▲ 0.50% · 4.625%
HK$103,579
+HK$5,941/mo
Deposit HK$8.63M · loan HK$20.15M · min. income ≈ HK$195,276/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,212
−HK$5,522/mo
▼ 0.25% · 3.875%
HK$104,953
−HK$2,781/mo
Today · 4.125%
HK$107,734
baseline
▲ 0.50% · 4.625%
HK$113,413
+HK$5,679/mo
Deposit HK$8.63M · loan HK$20.15M · min. income ≈ HK$215,468/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,127
−HK$7,408/mo
▼ 0.25% · 3.875%
HK$121,802
−HK$3,733/mo
Today · 4.125%
HK$125,535
baseline
▲ 0.50% · 4.625%
HK$133,174
+HK$7,639/mo
Deposit HK$2.88M · loan HK$25.90M · min. income ≈ HK$251,070/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,416
−HK$7,100/mo
▼ 0.25% · 3.875%
HK$134,940
−HK$3,576/mo
Today · 4.125%
HK$138,516
baseline
▲ 0.50% · 4.625%
HK$145,817
+HK$7,301/mo
Deposit HK$2.88M · loan HK$25.90M · min. income ≈ HK$277,032/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,161 · Scale 2, in force from 26 Feb 2026)