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$65,702
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$67,746
−HK$2,077/mo
Today · 4.125%
HK$69,823
baseline
▲ 0.50% · 4.625%
HK$74,071
+HK$4,248/mo
Deposit HK$14.41M · loan HK$14.41M · min. income ≈ HK$139,646/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,224,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,093
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$75,054
−HK$1,988/mo
Today · 4.125%
HK$77,042
baseline
▲ 0.50% · 4.625%
HK$81,103
+HK$4,061/mo
Deposit HK$14.41M · loan HK$14.41M · min. income ≈ HK$154,084/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,224,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,843
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$81,295
−HK$2,492/mo
Today · 4.125%
HK$83,787
baseline
▲ 0.50% · 4.625%
HK$88,885
+HK$5,098/mo
Deposit HK$11.53M · loan HK$17.29M · min. income ≈ HK$167,574/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,224,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,712
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$90,064
−HK$2,387/mo
Today · 4.125%
HK$92,451
baseline
▲ 0.50% · 4.625%
HK$97,324
+HK$4,873/mo
Deposit HK$11.53M · loan HK$17.29M · min. income ≈ HK$184,902/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,224,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,983
−HK$5,769/mo
▼ 0.25% · 3.875%
HK$94,845
−HK$2,907/mo
Today · 4.125%
HK$97,752
baseline
▲ 0.50% · 4.625%
HK$103,700
+HK$5,948/mo
Deposit HK$8.64M · loan HK$20.17M · min. income ≈ HK$195,504/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$1,224,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,331
−HK$5,528/mo
▼ 0.25% · 3.875%
HK$105,075
−HK$2,784/mo
Today · 4.125%
HK$107,859
baseline
▲ 0.50% · 4.625%
HK$113,545
+HK$5,686/mo
Deposit HK$8.64M · loan HK$20.17M · min. income ≈ HK$215,718/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$1,224,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,264
−HK$7,417/mo
▼ 0.25% · 3.875%
HK$121,943
−HK$3,738/mo
Today · 4.125%
HK$125,681
baseline
▲ 0.50% · 4.625%
HK$133,328
+HK$7,647/mo
Deposit HK$2.88M · loan HK$25.93M · min. income ≈ HK$251,362/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,224,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,568
−HK$7,108/mo
▼ 0.25% · 3.875%
HK$135,097
−HK$3,579/mo
Today · 4.125%
HK$138,676
baseline
▲ 0.50% · 4.625%
HK$145,986
+HK$7,310/mo
Deposit HK$2.88M · loan HK$25.93M · min. income ≈ HK$277,352/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,224,580 · Scale 2, in force from 26 Feb 2026)