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$65,684
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$67,727
−HK$2,076/mo
Today · 4.125%
HK$69,803
baseline
▲ 0.50% · 4.625%
HK$74,050
+HK$4,247/mo
Deposit HK$14.40M · loan HK$14.40M · min. income ≈ HK$139,606/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,224,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,073
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$75,032
−HK$1,988/mo
Today · 4.125%
HK$77,020
baseline
▲ 0.50% · 4.625%
HK$81,080
+HK$4,060/mo
Deposit HK$14.40M · loan HK$14.40M · min. income ≈ HK$154,040/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,224,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,821
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$81,272
−HK$2,491/mo
Today · 4.125%
HK$83,763
baseline
▲ 0.50% · 4.625%
HK$88,860
+HK$5,097/mo
Deposit HK$11.52M · loan HK$17.28M · min. income ≈ HK$167,526/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,224,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,687
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$90,039
−HK$2,386/mo
Today · 4.125%
HK$92,425
baseline
▲ 0.50% · 4.625%
HK$97,296
+HK$4,871/mo
Deposit HK$11.52M · loan HK$17.28M · min. income ≈ HK$184,850/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,224,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,957
−HK$5,767/mo
▼ 0.25% · 3.875%
HK$94,818
−HK$2,906/mo
Today · 4.125%
HK$97,724
baseline
▲ 0.50% · 4.625%
HK$103,670
+HK$5,946/mo
Deposit HK$8.64M · loan HK$20.16M · min. income ≈ HK$195,448/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$1,224,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,302
−HK$5,527/mo
▼ 0.25% · 3.875%
HK$105,045
−HK$2,784/mo
Today · 4.125%
HK$107,829
baseline
▲ 0.50% · 4.625%
HK$113,512
+HK$5,683/mo
Deposit HK$8.64M · loan HK$20.16M · min. income ≈ HK$215,658/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$1,224,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,231
−HK$7,414/mo
▼ 0.25% · 3.875%
HK$121,908
−HK$3,737/mo
Today · 4.125%
HK$125,645
baseline
▲ 0.50% · 4.625%
HK$133,290
+HK$7,645/mo
Deposit HK$2.88M · loan HK$25.92M · min. income ≈ HK$251,290/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,224,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,531
−HK$7,106/mo
▼ 0.25% · 3.875%
HK$135,058
−HK$3,579/mo
Today · 4.125%
HK$138,637
baseline
▲ 0.50% · 4.625%
HK$145,945
+HK$7,308/mo
Deposit HK$2.88M · loan HK$25.92M · min. income ≈ HK$277,274/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,224,232 · Scale 2, in force from 26 Feb 2026)