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$65,735
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$67,780
−HK$2,077/mo
Today · 4.125%
HK$69,857
baseline
▲ 0.50% · 4.625%
HK$74,108
+HK$4,251/mo
Deposit HK$14.41M · loan HK$14.41M · min. income ≈ HK$139,714/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,225,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,130
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$75,091
−HK$1,990/mo
Today · 4.125%
HK$77,081
baseline
▲ 0.50% · 4.625%
HK$81,144
+HK$4,063/mo
Deposit HK$14.41M · loan HK$14.41M · min. income ≈ HK$154,162/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,225,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,882
−HK$4,947/mo
▼ 0.25% · 3.875%
HK$81,336
−HK$2,493/mo
Today · 4.125%
HK$83,829
baseline
▲ 0.50% · 4.625%
HK$88,929
+HK$5,100/mo
Deposit HK$11.53M · loan HK$17.30M · min. income ≈ HK$167,658/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,755
−HK$4,742/mo
▼ 0.25% · 3.875%
HK$90,109
−HK$2,388/mo
Today · 4.125%
HK$92,497
baseline
▲ 0.50% · 4.625%
HK$97,372
+HK$4,875/mo
Deposit HK$11.53M · loan HK$17.30M · min. income ≈ HK$184,994/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,029
−HK$5,771/mo
▼ 0.25% · 3.875%
HK$94,892
−HK$2,908/mo
Today · 4.125%
HK$97,800
baseline
▲ 0.50% · 4.625%
HK$103,751
+HK$5,951/mo
Deposit HK$8.65M · loan HK$20.18M · min. income ≈ HK$195,600/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$1,225,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,381
−HK$5,532/mo
▼ 0.25% · 3.875%
HK$105,127
−HK$2,786/mo
Today · 4.125%
HK$107,913
baseline
▲ 0.50% · 4.625%
HK$113,601
+HK$5,688/mo
Deposit HK$8.65M · loan HK$20.18M · min. income ≈ HK$215,826/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$1,225,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,323
−HK$7,420/mo
▼ 0.25% · 3.875%
HK$122,004
−HK$3,739/mo
Today · 4.125%
HK$125,743
baseline
▲ 0.50% · 4.625%
HK$133,394
+HK$7,651/mo
Deposit HK$2.88M · loan HK$25.95M · min. income ≈ HK$251,486/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,633
−HK$7,112/mo
▼ 0.25% · 3.875%
HK$135,164
−HK$3,581/mo
Today · 4.125%
HK$138,745
baseline
▲ 0.50% · 4.625%
HK$146,058
+HK$7,313/mo
Deposit HK$2.88M · loan HK$25.95M · min. income ≈ HK$277,490/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,187 · Scale 2, in force from 26 Feb 2026)