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$65,342
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$67,374
−HK$2,065/mo
Today · 4.125%
HK$69,439
baseline
▲ 0.50% · 4.625%
HK$73,664
+HK$4,225/mo
Deposit HK$14.33M · loan HK$14.33M · min. income ≈ HK$138,878/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,217,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,692
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$74,641
−HK$1,978/mo
Today · 4.125%
HK$76,619
baseline
▲ 0.50% · 4.625%
HK$80,658
+HK$4,039/mo
Deposit HK$14.33M · loan HK$14.33M · min. income ≈ HK$153,238/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,217,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,410
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$80,849
−HK$2,478/mo
Today · 4.125%
HK$83,327
baseline
▲ 0.50% · 4.625%
HK$88,397
+HK$5,070/mo
Deposit HK$11.46M · loan HK$17.19M · min. income ≈ HK$166,654/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,217,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,230
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$89,570
−HK$2,373/mo
Today · 4.125%
HK$91,943
baseline
▲ 0.50% · 4.625%
HK$96,789
+HK$4,846/mo
Deposit HK$11.46M · loan HK$17.19M · min. income ≈ HK$183,886/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,217,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,478
−HK$5,737/mo
▼ 0.25% · 3.875%
HK$94,324
−HK$2,891/mo
Today · 4.125%
HK$97,215
baseline
▲ 0.50% · 4.625%
HK$103,130
+HK$5,915/mo
Deposit HK$8.60M · loan HK$20.06M · min. income ≈ HK$194,430/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,217,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,768
−HK$5,499/mo
▼ 0.25% · 3.875%
HK$104,498
−HK$2,769/mo
Today · 4.125%
HK$107,267
baseline
▲ 0.50% · 4.625%
HK$112,921
+HK$5,654/mo
Deposit HK$8.60M · loan HK$20.06M · min. income ≈ HK$214,534/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,217,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,615
−HK$7,375/mo
▼ 0.25% · 3.875%
HK$121,273
−HK$3,717/mo
Today · 4.125%
HK$124,990
baseline
▲ 0.50% · 4.625%
HK$132,596
+HK$7,606/mo
Deposit HK$2.87M · loan HK$25.79M · min. income ≈ HK$249,980/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,845
−HK$7,069/mo
▼ 0.25% · 3.875%
HK$134,354
−HK$3,560/mo
Today · 4.125%
HK$137,914
baseline
▲ 0.50% · 4.625%
HK$145,184
+HK$7,270/mo
Deposit HK$2.87M · loan HK$25.79M · min. income ≈ HK$275,828/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,852 · Scale 2, in force from 26 Feb 2026)